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  1. #1
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    Default Credit Karma Reviews: Is It Legit or a Scam?

    Is Credit Karma a good place to get your credit scores? Is it really free or is there is hidden charges or sign up fees?

    Is anyone familiar with creditkarma.com and can offer personal reviews of using it?
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  2. #2
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    Quote Originally Posted by Rwood42 View Post
    Is Credit Karma a good place to get your credit scores? Is it really free or is there is hidden charges or sign up fees
    Credit Karma is free. It will allow you to monitor open credit that is on the Transunion credit report. It is a good site to follow your credit trends. The score is a consumer score and is not a real Fico score. It can be lower or higher than your fico score. In my case the score is lower than my real TU fico score by about 20 points. YMMV

    Moderator's Advice: Did you know as of November 2013, you can get your real FICO score (not a FAKO) for free from the following cards every month? In fact I have one of these cards mainly for that reason alone. It's a lot cheaper than paying FICO $19.95 every time I want to check my score.
    Discover is for good credit. If you have fair/average credit, then try Barclays.
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  3. #3
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    Credit Karma is free. It is a great website, been using it for 3 yrs now.
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  4. Centurion Member
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    HLN's finance guru Clark Howard likes Credit Karma and also recommends it. Says his score is 768. Like i posted before, it's a good site for watching trends on your TU credit bureau.

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  5. #5
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    How often do you guys check you credit score at Credit karma?
    American Express Platinum
    HSBC Platinum Master Card
    Citi Diamond Preferred Master Card
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  6. #6
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    I use Credit karma fairly frequently and I found that it is great.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  7. #7
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    CK score updates monthly and, as mentioned above, is not the "real" FICO score; however, it is a good indicator of what your standing is. The credit report card function also is interesting, but I don't know how accurate the data is.
    American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
    US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
    FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
    Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

    *All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.
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  8. Platinum Member
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    Is there anywhere I can see my 3 credit score for free?
    Is there one of the credit scores there is more important than the other 2?
    American Express Platinum
    HSBC Platinum Master Card
    Citi Diamond Preferred Master Card
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  9. #9
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    You wont see your score for free, but you can of course get your credit reports for free.

    What I have found is that most inquiries hit my Experian more often than any of the other two, but request Equifax's score. Your use may vary.
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  10. #10
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    This might be a stupid question, but is there any restriction on how often you can go to Credit Karma and check your credit score?

    Will it in any way hurt my CS if i went to check it once a month?

    Thanks
    American Express Platinum
    HSBC Platinum Master Card
    Citi Diamond Preferred Master Card
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