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      Credit Karma

      557,171
      Credit Karma, Inc. Finance
      PEGI 3 PEGI 3
      Contains ads
      Loading device compatibility...
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      1
        Credit Karma- screenshot thumbnail     Credit Karma- screenshot thumbnail     Credit Karma- screenshot thumbnail     Credit Karma- screenshot thumbnail     Credit Karma- screenshot thumbnail
         Credit Karma- screenshot
         Credit Karma- screenshot
         Credit Karma- screenshot
         Credit Karma- screenshot
         Credit Karma- screenshot

      Get your credit scores, reports and more on Credit Karma -- all for free. You can check in as often as you want, and it doesn’t hurt your score.

      • Free credit monitoring – Get alerts about important changes on your TransUnion credit report.
      • Direct Dispute™ – If you notice an error on your TransUnion report, you can submit a dispute right from the app.
      • Check for money that’s owed to you – There's over $40 billion of unclaimed cash in the U.S. We'll help you search for any that's yours.
      • Education, tips and tools – We'll help you understand what's on your report so you can make informed financial decisions.

      Join more than 60 million members on the path to financial progress. Learn more and sign up at www.creditkarma.com.
      My review
      Review from

      Reviews

      4.7
      557,171 total
      5 440,506
      4 89,223
      3 14,157
      2 4,219
      1 9,066
      jom jim
      I have android 7 zenfone 3 deluxe Still no fingerprint scanner for login for android. Update: i tried your steps in yoir reply but still no finger print log in. Forcr closed and changed my pin but i can only choose an pattern and not a finger print. All other banking apps that I have prompt me for a finger print. Keep in mind this app will not give accurate scores. My scores were 25-30 points than what they actually were when I did a real credit check. Also still no fingerprint sign in for android
      Levi Cook
      Normally I don't take the time out to review apps (especially when the app doesn't even ask me to review it), but I just had to give Credit Karma a 5. Ever since I started using the app, I've been learning more and more about how credit works, how I can improve it, and at this point, I'm teaching my friends and family about how they can improve their credit scores, and encouraging them to download the app as well. In terms of keeping tabs on my financials, this app has been my best friend!
      Krystyna Johnson
      I use this app regularly to check my credit score..FYI, the app does not show you your transunion report. BUT they do give you great advice about cleaning up your credit. I applied for the card they recommended for a balance transfer and was approved in minutes and increased my credit more than double! Once I pay that balance off, my credit usage will go down and increase my score 50 points! If you're not sure how to improve your credit, this is a great start!
      Lisa Kay
      Credit Karma is not an app to check your credit score because it doesn't report anything near your actual credit scores (in hopes of enticing you to apply for credit cards in-app). However, it does help you watch out for any suspicious activity, and offers a way to dispute an error right through the app. Credit Karma offers a lot of information laid out in a very user-friendly interface. I highly recommend this app for those that want to keep an eye on their credit, but don't mind not knowing their actual credit score range.
      Shawn Carrier
      Updates your score weekly based on how often your various balances are submitted. Kind of annoying, but satisfying when you see your score go up. In a similar vein, there's a transunion simulation for paying off credit cards to see how much your score would improve that's kind of neat. It also keeps track of all debts, and informs you if you're behind, or current, and for how long. I really like this app, and definitely recommend it to anyone trying to achieve financial freedom or if you're curious where you stand, or could stand.
      Cory Johnson
      I've improved my credit score from the low 500's to the low 700's in 1 year just following their suggestions. Paying my bills on time helped too. I didn't have a credit card at all when I started but the app gave good suggestions for a starter card to build my credit. Started out with one that had a $300 balance which has turned into $1500 one year later. The goal is to not use all available credit and make payments in full every month. It works and the app helped me to be mindful of all activity.

      User reviews

      jom jim May 24, 2017
      I have android 7 zenfone 3 deluxe Still no fingerprint scanner for login for android. Update: i tried your steps in yoir reply but still no finger print log in. Forcr closed and changed my pin but i can only choose an pattern and not a finger print. All other banking apps that I have prompt me for a finger print. Keep in mind this app will not give accurate scores. My scores were 25-30 points than what they actually were when I did a real credit check. Also still no fingerprint sign in for android
      Full Review
      Credit Karma, Inc. May 24, 2017
      Hey, Jom! Do you have an Android 6.0+? If so, unfortunately we don't support fingerprint passcode on Samsung devices with fingerprint capabilities that are below 6. With regard to your scores, there's an explanation for what you're seeing. We break down three common causes for score variance here: https://goo.gl/wugyPP
      Levi Cook May 26, 2017
      Normally I don't take the time out to review apps (especially when the app doesn't even ask me to review it), but I just had to give Credit Karma a 5. Ever since I started using the app, I've been learning more and more about how credit works, how I can improve it, and at this point, I'm teaching my friends and family about how they can improve their credit scores, and encouraging them to download the app as well. In terms of keeping tabs on my financials, this app has been my best friend!
      Full Review
      Krystyna Johnson May 17, 2017
      I use this app regularly to check my credit score..FYI, the app does not show you your transunion report. BUT they do give you great advice about cleaning up your credit. I applied for the card they recommended for a balance transfer and was approved in minutes and increased my credit more than double! Once I pay that balance off, my credit usage will go down and increase my score 50 points! If you're not sure how to improve your credit, this is a great start!
      Full Review
      Credit Karma, Inc. May 18, 2017
      Krystyna-- I'm so glad to hear that you are enjoying the app! That being said, I wanted to reach out to you because we actually do offer your score from TransUnion. If you're not seeing your TransUnion score, there may be a technical issue with your account. This is something I'd like to resolve for you! Please message us: https://goo.gl/b1MZZP
      Lisa Kay May 27, 2017
      Credit Karma is not an app to check your credit score because it doesn't report anything near your actual credit scores (in hopes of enticing you to apply for credit cards in-app). However, it does help you watch out for any suspicious activity, and offers a way to dispute an error right through the app. Credit Karma offers a lot of information laid out in a very user-friendly interface. I highly recommend this app for those that want to keep an eye on their credit, but don't mind not knowing their actual credit score range.
      Full Review
      Shawn Carrier May 19, 2017
      Updates your score weekly based on how often your various balances are submitted. Kind of annoying, but satisfying when you see your score go up. In a similar vein, there's a transunion simulation for paying off credit cards to see how much your score would improve that's kind of neat. It also keeps track of all debts, and informs you if you're behind, or current, and for how long. I really like this app, and definitely recommend it to anyone trying to achieve financial freedom or if you're curious where you stand, or could stand.
      Full Review
      Cory Johnson May 25, 2017
      I've improved my credit score from the low 500's to the low 700's in 1 year just following their suggestions. Paying my bills on time helped too. I didn't have a credit card at all when I started but the app gave good suggestions for a starter card to build my credit. Started out with one that had a $300 balance which has turned into $1500 one year later. The goal is to not use all available credit and make payments in full every month. It works and the app helped me to be mindful of all activity.
      Full Review
      Jalen Mahaney June 5, 2017
      Absolutely love Credit Karma. Such a convenient and useful app. Very secure. It doesn't update daily or anything but it's wonderful to check in on 2 or 3 times a month. The free tax service they are doing every year now is even better than Turbotax as well. 10/10 recommend. Great work Credit Karma.
      Full Review
      Felicia Wright June 3, 2017
      You say that you update every seven days but for three weeks now my credit card info has stayed the same even though I have made payments on it. So you're updating information is not correct. At least if you're going to update it have the correct information when you do. My credit square has stayed the same when it should have gone up period I don't know why everybody says your app is so great when you don't have correct information after an update of someone's credit score. Will be deleting the app since you guys can have your information correct when you update a credit score. Nothing changes after just 7 days. You need to update once a month. It's a wast of time otherwise.
      Full Review
      Credit Karma, Inc. May 2, 2017
      Hi Felicia, You are correct, an update is available for you every 7 days, however most lenders only send updates to the credit bureaus every month or so. If you get a credit monitoring alert that something important changed on your credit report, your score will automatically update the next time you log into Credit Karma. -Mila
      Jacob Bierschbach May 31, 2017
      This is a great App for people who are just starting out to watch their credit grow and learn how their financial habits affect them. It can also be a great life saver if something like a bill or debt you don't know about comes to light and your credit falls. Watching your credit alerts you to the problem right away, rather then years down the road when you go to buy a house or car.
      Full Review
      Seed Planters June 2, 2017
      It's a great app that helps me keep up on my score plus keeps me informed. Hey because of this app. I'm able to finally buy my first home. We have twins on the way soon and we just had grand children twins as well. My score helped us so much. Thanks credit Karma the clack family in Atlantic city soon to be Baltimore County Md
      Full Review
      Ruth Snyder May 20, 2017
      Through my bank I can get my credit score at any time. I just wanted to see if there was any difference. There wasn't. Unfortunately, this app told me that I should take out a credit card and pay it off every month and it would increase my credit score. And they showed me an ad for a credit card. Not surprised that I was turned down, but because of them I now I have it on my credit report that I have tried to get credit again. Not good. Why would they tell you to do something that would hurt your credit?
      Full Review
      Credit Karma, Inc. May 23, 2017
      Hi Ruth, We do the best we can by basing our approval odds on historical data, but in the end, it's totally up to the lender. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. -Mila
      Ri Zic May 24, 2017
      Excellent tool to watch who is running your credit without your permission. Funny how banks just pull your credit and unions allow it???!!! Found lots of untrue things on credit with this app. Great for monitoring everything! Beware to creditors because this app is watching you! Notifications are updated frequently so nothing gets overlooked! App gets better every year!! Thanks Credit Karma!
      Full Review
      Kelley Grigsby June 4, 2017
      You must have patience because Account/Lien holders only report activity on accounts every so often. Credit Karma updates as soon as any changes are REPORTED. They can't do anything about this. I watch my finances more than most people because I have caught two identity thieves already. I recommend you stay informed on a regular basis by any and all means available. I log on to my bank account at least daily. Credit Karma at least weekly or when notifications occur.
      Full Review
      sherroy johnson May 23, 2017
      I've had this app for years and never really had an issue until the last couple the month. According to Credit Karma my credit score went down twice greatly I mean at least 15 points or more each time but nothing in my credit report has changed. I mean everything else has been the same for the past three months. So why has my score dropped. Usually the app gives you an explanation of why your changed. There isn't one for me.
      Full Review
      Credit Karma, Inc. May 23, 2017
      Hi! Since we don't calculate your scores (only credit bureaus have that power), we can't say exactly what dropped your score. If you already took a look at your credit report and nothing is standing out, this article might help you pinpoint a surprising reason your score has dropped: https://goo.gl/ZayrVK -Mila
      shay mcneil May 21, 2017
      Having my score at my fingertips provides me with the information I need to make informed buying decisions. I love this app. I thought there was a catch...I was skeptical at 1st but it really is 100% free to know your credit score! I'm obsessed and check mine at least 3 times a week. Awesome site.
      Full Review
      abigail Delaney May 25, 2017
      I'm in the process of repairing my credit. This has been an amazing free tool! I can check my report as often as I need, see what has been taken off or reduced and what still needs work. I ended up owing a lot less than I thought! I hate to admit it but I didn't really understand how credit or credit reports worked until this app. Super simple and easy!
      Full Review
      Joseph McNair May 19, 2017
      Easy to use app. Credit Karma has relieved my stress about my credit score by making the idea of what a credit score is, simple and easy to understand. The tips on how to improve my score were helpful, and the periodic email updates are a constant reassurance I'm headed in the right direction. Good work. No idea how you could improve on this, but I'm sure you will.
      Full Review
      Samuel Swasey May 22, 2017
      S7 Edge. The app sounds real nice it it would work. I made an account and they coulsn't track credit, fine, send me the form I'll fill it out no problem... No email sent, try to log back in, the passcode I made is now invalid. I won't be trying to use this app again. Good effort though.
      Full Review
      Credit Karma, Inc. May 23, 2017
      Hi Samuel, I'm sorry for the trouble you experienced. If you are still having technical issues with our app, we'd love to investigate further to get this resolved for you. Please contact our Support Team and they can get you squared away: https://goo.gl/b1MZZP -Mila
      Donna Torres June 5, 2017
      Between this app and creditwise I keep an eye on things. You never know when someone will steal your identity. I won't say I check it daily but I do check it regularly and it's nice to see debt go down, accounts close, and your credit go up. Definitely a satisfying feeling.
      Full Review
      May 26, 2017
      I don't like the account listing page interface, very cluttered and difficult to read each account information. I would like to see an exact or very similar desktop version interface on this application. Overall, this is a good app and easy to navigate, just needs some more tweaking. B+
      Full Review
      Robert Bragg May 31, 2017
      I was unfamiliar with disputing issues with my credit and in the app they make it so easy and my credit is on its way up. I love getting updates in my email when my score goes up or down. It's helping me get my credit in order so I can purchase my first home and possibly a new truck. Thanks credit karma. Keep up the great work.
      Full Review
      Eric Gogas May 22, 2017
      Great app. My cousin told me about it even though I've seen it on commercial. I had collections that I didn't even know about from a gym membership. Credit Karma showed it to me and with the dispute they have. The adjustment to my account appeared within 2 days!
      Full Review
      May 31, 2017
      I see experian and transunion I'm not sure what they are talking about in the comments below but it's very helpful however your score may be 20 give or take points higher I've had it ran at a dealership and it was higher than CK reported. 😁 but I love this app.
      Full Review
      Danny Rios May 30, 2017
      Scores are way off. NOT even close. My fico scores and CK scores are 100 points different from each other. This is NOT reliable. It's only good to get an idea of building credit but NOT to use for getting actual scores. Again, DO NOT use this and think these are your actual scores. THEY ARE NOT.
      Full Review
      H. J. Babilonia May 17, 2017
      This is a great little app! It makes it easy to keep track of your credit score; very useful for people like me who are working hard at rebuilding good credit after a having gone through a financial meltdown. Two thumbs up!
      Full Review
      Ariane Kinman May 18, 2017
      It is so helpful & easy to use. Plus, they sent me an awesome birthday email yesterday so + 10 stars for that heh 😂 no, but seriously, they are AMAZING + COMPLETELY FREE so idk why you wouldn't try it if you're thinking about it :) the only kinda sucky thing about credit karma is that your payments don't get marked in credit karma for quite a while after you pay them, but I have a feeling that this is due to Equifax and Trans Union not updating on time instead of credit karma.
      Full Review
      Credit Karma, Inc. May 18, 2017
      Ariane, Thanks for the amazing shout out and review! In response to your concern, lenders only update the credit bureaus once a month which means it's normal for your report to be a full billing cycle behind current info. On the bright side, you can connect your accounts for up to date info. Shoot us email for assistance: https://goo.gl/AGSNcI
      Leonel Barria May 21, 2017
      Credit Karma is awesome. Unlike other credit monitoring apps, CK actually updates and allows you see your score every few days! It gives you options to dispute inaccurate information and give you suggestions in improving you score. 2 Thumbs up!!
      Full Review
      robert stockton May 27, 2017
      At first I was sceptical. But I followed all Credit Karmas tips and suggestions. It helped me go from an awful 475 score to an impressive 737!!! This is one of my most useful apps and site. Would love to see Experian added to it. But either way, I highly recomend this app.
      Full Review
      Brittany Napoleon May 27, 2017
      I love it the the best part about this app is I can. Dispute ridiculous things on my credit score. Hands down this the best app to use to keep up with your credit for free I even was able to get an apartment to waive $50.00 because of my app and I was able to show landlord what they look for on your credit score anyway. Love it
      Full Review
      franklin mcterdson May 24, 2017
      The only way I can use the app is to take a pic of my ID or mail a copy. The camera function won't even work with a tripod! Worthless!
      Full Review
      Credit Karma, Inc. May 25, 2017
      Hi Franklin, It sounds like you might be having trouble verifying your account. Our Member Support Team would be happy to help sort this out for you. You can reach them here: https://goo.gl/b1MZZP -Kalla
      Chee Saw May 17, 2017
      This is an awesome app. It's nice to be able to get all this information for free. For years I paid for a credit notify service and it really helped me clean up my credit, but once I found out about Credit Karma I cancelled it immediately. Some people's reviews state that the info in the app is inaccurate. They don't understand that your credit score can vary significantly based on what a lender is looking for, thusly weighing criteria differently.
      Full Review
      Credit Karma, Inc. May 18, 2017
      Hello! Thanks for making the switch to Credit Karma! We appreciate your thoughtful review as well as taking the time to share your credit knowledge about score variance with others! You're right that credit scores do vary and we love educating on members on why that is: https://goo.gl/wugyPP We hope you continue to enjoy the app, Alva
      Daniel Castro May 29, 2017
      This app has changed my view on credit. Not only in how it is applied to me and my life but how i can apply myself to it and change my life. Thank you so much. Such a huge tool for me. One that i use almost every week. Great great great app!
      Full Review
      Brady L May 21, 2017
      It is fantastic for helping me stay on target for reaching my goals. I can see in real time what my choices in eliminating debt, applying for credit, and spending do to help or hinder reaching them. Helps greatly for seeing where I am and what I need to do to improve my credit.
      Full Review
      Dawn D'Amico May 28, 2017
      I can't say enough good things about credit karma. I love it and it's helped me to get a hold of my credit and understand what affects my score. in addition I have recommended and helped anyone who will listen also get on credit karma and improve their credit scores.
      Full Review
      Mike Warner June 1, 2017
      Thank u so much. My credit score is higher now because of looking at credit karma i was able to take care of some accounts that were closed but were showing a balance thoug i owed nothing. With calls the problem resolved my credit score went up and i just got a new loan for a truck. Thank u so much.
      Full Review
      Pedro Gonzalez May 23, 2017
      I hated checking my credit scores but now I actually like seeing where I'm at. This app also provides helpful tools and tips to improve my credit image that actually work. This is a great app to have, thanks and keep up the great work.
      Full Review
      Rachel Burrell May 17, 2017
      I really love that I can check my credit score at any time for free. It's easy to use & extremely helpful to know exactly what I need to improve & how great my credit report has looked since I started monitoring my score with the Credit Karma app! Try it! You can't go wrong trying to improve your score!
      Full Review
      Joseph Armstrong May 24, 2017
      I have been im using credit karma for about six or several months and it was ok, also I been having my credit repair also, my issue with credit karma is there are inquiries that is still showing up, I person sent letters,to all three of the credit bureaus and with in a few months they was taken off of my credit report 43 total, but in credit karma they still have these inquiries still listed, so I wandering is credit karma accurate as they advertise, concerning credit scores. I ask my credit advisors about credit karma, they told me that they are ok, but FICO is more accurate.
      Full Review
      Credit Karma, Inc. May 24, 2017
      Joseph, Since lenders only send updates to the bureaus once a month, your account info doesn't usually change in a week's time. By providing new reports every 7 days, we feel confident you'll be able to zero in on what's important. If something important changes on your report, your score will automatically update the next time you login.
      Shannon Boylan May 25, 2017
      Extremely easy to navigate. Credit Karma even alerts me with new credit inquerys, which helped me stop someone from opening a credit card in my name. I was able to report fraudulent activity right away before anything was processed. Thank you CK.
      Full Review
      Melissa Watts May 23, 2017
      Id rate this app -5 but my rating would not show up. I reached out to customer service to ask why my FICO score in this app did not match 1 credit reporting agency. No reply other than to identify my acct. I use Credit Sesame now. Good luck people.
      Full Review
      Review deleted

      What's New

      • Search for money that's owed to you. There's more than $40 billion of unclaimed cash in the U.S. Scroll to the bottom of your 'Accounts' tab to see if any of it's yours.
      • Bug fixes and enhancements
      Stay tuned for more updates, and be sure to share your feedback at comments@creditkarma.com

      Additional information

      Updated
      May 16, 2017
      Size
      Varies with device
      Installs
      10,000,000 - 50,000,000
      Current Version
      Varies with device
      Requires Android
      Varies with device
      Content Rating
      PEGI 3
      Learn more
      Interactive Elements
      Users Interact, Shares Info
      Permissions
      Report
      Flag as inappropriate
      Offered By
      Credit Karma, Inc.
      Developer
      Visit website Email support@creditkarma.com Privacy Policy

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