Credit Karma Review – Does it Really Worth it?

Here comes the unbiased Credit Karma review you have been looking for. With an overall rating of 3.9 stars from over 200 clients, it shows that it is worth using.

This figure proved that over 80% of Americans using credit karma are happy with their performance. The questions I expect to be running throung your mind now is, will it work for me? And how will I maximize the use of the Credit Karma?

To help you make an informed decision, we went into every detail you need to know in this Credit Karma review.

So, follow me as we discuss the pros and cons of the credit repair platform.

credit karma

What is Credit Karma?

Credit Karma is the third largest credit company in America, established in 2013 by Vinny Lingman. The primary function is to help users monitor credit scores and reports. It goes deep in helping users understand their credit stands and credit options.

In addition, they offer other useful services such as free credit health, which keeps users up to date on all vital credit scores. Above all, they remind users of potential loan breaches and provide tools to guide you on how to secure easy loans.

Interestingly, they offer all these for free. 

How Credit Karma Works

How Credit Karma works and is it free are the common questions asked by those considering using it for the first time.

Let’s start with how it works. You start by signing up on the website using a valid email address. The second step is to tell who you are by answering some personal questions. Lastly, you confirm your identity.

By completing these three steps, you are free to use the platform to your benefit.

With weekly updates, the system will use the information you provided to access your credit scores and reports from TransUnion and Equifax.

After analyzing your credit profile, they provide product recommendations that will help you save money.

Is Credit Karma Free?

Interestingly, the platform is completely free. You will get to know your credit score, report, monitoring, and recommendation for free. 

You may be wondering, how does Credit Karma make money? They make money from the banks and lenders you patronize based on their recommendations.

Is Credit Karma Legit and Safe?

Without mincing words, the answer is yes. It is both legit and safe. It is legit because it has the backing of a better business bureau. Also, it is verified by Visa and MasterCard, which are brands never to joke with.

As per your safety on the platform, it is a hundred percent guaranteed because it has a privacy guarantee. That ensures that your data can’t be sold or exposed.

Does Credit Karma Hurt your Credit Score?

It is clear in this Credit Karma review that their system only helps you analyze your credit score and report. After which, they recommend a bank or lender that will help you.

So, it does not in any way affect your credit score. In other words, Credit Karma does not hurt your credit score.

Credit Karma Review – Pros and Cons


  • Free platform
  • Beginner user friendly
  • Accurate credit score report
  • Proffer solutions based on the score
  • Easy-to-use mobile App


  • Present overwhelming financial services that make clients confused at some point. However, their recommendations are always great.

Credit Karma Review -Conclusion

I hope you have gotten to this point because you need a high credit score and the best recommendation for improving if it is low. We all know that a high score translates to easy accessibility to loans.

Credit Karma should be your partner from now because you will get the best credit advice completely free.

You have nothing to lose but everything to gain because you will enjoy other financial services from Credit Karma.

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