Credit Karma APK

Version 5.17 -
Last updated: Sat, 20 Feb 2021 8:34:26 UTC

Track your credit scores, monitor for ID theft and find ways to save. It’s free!

APP Information

Download Version 5.17 (488369)
Apk Size10.29 MB
App DeveloperEMS+
Malware CheckTRUSTED
Install on Android5.0 and up

Download Credit Karma 5.17 APK

App Description

Credit Karma is creditkarma,mobile,finance,credit,karma, content rating is Everyone (PEGI-3). This app is rated 4.76 by 17 users who are using this app. To know more about the company/developer, visit EMS+ website who developed it. apps can be downloaded and installed on Android 5.0 and higher Android devices. The Latest Version of 5.17 Available for download. Download the app using your favorite browser and click Install to install the application. Please note that we provide both basic and pure APK files and faster download speeds than APK Mirror. This app APK has been downloaded 18285+ times on store. You can also download APK and run it with the popular Android Emulators.

Make the most of your credit, it's totally free! Start by digging into your credit profile and finding out what goes into your credit scores. Then get important updates with credit monitoring, check out personalized recommendations, even file your taxes for free with Credit Karma Tax.


  Log in anytime to look, it will never hurt your scores.


  100% free to file federal and state returns, no matter what your tax situation is. Including live chat, W-2 import making it easy to get your max refund.


  Well tell you when your info is in another companys public data breach  and what you can do.


  Search state databases for unclaimed money in your name. Theres over $40 billion waiting to be claimed!


  Use your credit to qualify for lower interest rates and better credit card rewards.


  Get alerted when theres an important change to your reports and challenge errors right from your account.


  Receive helpful recommendations matched to your profile.

Join more than 80 million members on the path to financial progress. Learn more and sign up at 

App ChangeLog

  • • Enhancements and some bug fixes
  • Stay tuned for more updates, and be sure to share your feedback at [email protected]

App Screens

Credit Karma App Screen 1Credit Karma App Screen 2Credit Karma App Screen 3Credit Karma App Screen 4Credit Karma App Screen 5Credit Karma App Screen 6Credit Karma App Screen 7Credit Karma App Screen 8

Apk scan results

Apk Scaned By TotalVirus Antivirus, Was Pure And Safe.

Scan Stats:failure:0|harmless:0|malicious:0|suspicious:0|timeout:0|type-unsupported:11|undetected:60|
Name:ZPKH-_N5YxCNx8_e9na820181016-3428-1bdfnzv SHA-1:eb2c69a6964616986d5abf003bb473ac071bf3ba SHA-256:684e71e328cc7cda5eb88fc2a472d3ad596b76e26934c736f27df771e0847f46 SSDEEP:196608:bR8Fd133rX4zkggJ4J96Py69P4qcX7GK6QuNwCHhMO1wllpQ5UUZJJ3+2hxz:F2bX5jm6Py6hqXJnMwCTSYX3+y5 File type:Android Magic:Zip archive data File size:10784891 Uncompressed Size:20674361 Contained Files :1452 Contained Files By Type:MF:1,RSA:1,SF:1,css:2,dat:1,dex:2,gz:1,md:1,otf:24,png:19,ttf:1,xml:601,


requires following permissions on your android device.

android.permission.ACCESS_NETWORK_STATE: Allows an application to view the status of all networks.
android.permission.ACCESS_WIFI_STATE: Allows an application to view the information about the status of Wi-Fi.
android.permission.INTERNET: Allows an application to create network sockets.
android.permission.VIBRATE: Allows the application to control the vibrator.
android.permission.WAKE_LOCK: Allows an application to prevent the phone from going to sleep. C2DM permission. Unknown permission from android reference Unknown permission from android reference
view network connections
Allows the app to view information about network connections such as which networks exist and are connected.

view Wi-Fi connections
Allows the app to view information about Wi-Fi networking, such as whether Wi-Fi is enabled and name of connected Wi-Fi devices.

full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.

control vibration
Allows the app to control the vibrator.

prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.

receive data from Internet
Allows apps to accept cloud to device messages sent by the app's service. Using this service will incur data usage. Malicious apps could cause excess data usage.


Certificate Issuer:C:CA 94104, CN:Credit Karma, L:115 Sansome St, O:Credit Karma, ST:San Francisco, OU:Credit Karma
Certificate Subject:C:CA 94104, CN:Credit Karma, L:115 Sansome St, O:Credit Karma, ST:San Francisco, OU:Credit Karma






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Google Play Reviews

  1. Ian Austin-avatar

    Ian Austin


    Credit Karma is a great app; super intuitive & easy to use, it is also hugely helpful. In the 18 months I have been using it, my credit score has gone up over 100 points, from the mid-high 500's to 713 and 700 (Transunion and Equifax, respectively). Using their credit application recommendations, I have gone from $0 credit available to $8000 spread over 3 cards, and I keep my use of said available credit to less than 10% so my score will just keep climbing. Thank you, Credit Karma!

  2. Jonathan Shields-avatar

    Jonathan Shields


    I had some unusual issues trying to access my information after having used the app for a while. Once I contacted Credit Karma Member Support I got a quick response. I am now able to access my info as before. I'm still not sure exactly what the issue was, or why the suggested solution should have fixed it, but, bottom line, they made a good-faith effort to resolve my issue quickly, so I'm giving them five stars.

  3. Kimberly Bernard-avatar

    Kimberly Bernard


    I keep on having log in issues! This is the 3rd time this year! Whoops??? Really?! The app used to let me log in with my finger print and now it's asking for my password and then gives the can't connect message and that it won't work with a vpn. Unacceptable. It was fine while it lasted....Update: here we are again... same issue on app and website... smh. At least I know it isn't just me based on the surveys. Case Number: #01716042

  4. Terry Catenaci-avatar

    Terry Catenaci


    Changing the app ruined it... You used to be able to see when your hard inquiries were ..and when they were going to be coming off.. can't find it anymore.. used to be able to see public records ..can't find it anymore.. I don't know why you felt the need to change it but now uninstall it just stick with my Equifax thanks for getting me started 5 years ago. but now I have to continue with someone else

  5. Suzanne Hammett-avatar

    Suzanne Hammett


    This APP actually WORKS! I highly recommend giving it a try. I don't typically bank on things like this but to my surprise, the tips and information were spot on! It's easy to follow and practically effortless. This App helped me raise my credit score from poor to good in a short amount of time. I seriously thought that trying to raise my credit score was a waste of time! I am pleasantly surprised and happy to grade it with all 5 stars. Hopefully you will have the same success as myself!

  6. Robert Ruddle Jr.-avatar

    Robert Ruddle Jr.


    Credit scores always change and this app is a good way to track your progress and monitor your changes. I don't care for the constant - apply for this or that - ( that's because if you get credit through this app, they get a percentage of every transaction which helps this app stay free and pay salaries ) but I do like the ability to apply for credit with quick response and track my own progress. 👍

  7. Leslie Lemon-avatar

    Leslie Lemon


    Force stopped, cleared cache, toggled data and wifi, still will not load. Update: I have contacted support and so far they've been no help and sent a generic troubleshooting response with questions and recommendations for things I'd already answered and tried. Facebook team responded with a link to submit a ticket and no empathy or care. Still can't login from the app or the website on my computer. Way to drop the ball on multiple platforms for a long time user, credit karma.

  8. Gracie Beach-avatar

    Gracie Beach


    Credit karma is truly a great free app. I installed it years ago and it has been one of the highest tool in helping me get my credit back on track. It tells you what you need to do to raise your score and what is impacting you the most. My credit wasn't the best before, but since using credit karma I've raised my score 200 points.

  9. A Google user-avatar

    A Google user


    It seams that they are always behind on the info😒. Not up 2 par with payments an historey. And on top of it all my payment streak over the past year has been stuck on 47 then it bounces to 48 the next month it'll drop back down to 47 years straight I know it made on Time payments on all my credit cards now one late payment but yet my payment streak has been $47 48 the past year what a joke

  10. breathuvfreshair76-avatar



    I really enjoy using the app. The resources and information provided are helpful and the user interface makes navigating the site an enjoyable experience. Would have rated the app higher but I have found that their score numbers are inflated a bit, often by as much as 25 points when compared to the score numbers reported by the three credit reporting agencies. If Credit Karma could improve their score numbers and minimize their ad promotions the site would be 4, maybe even 5 stars.

  11. Mark Boyce-avatar

    Mark Boyce


    Very disappointed never tried a credit checking service saw some commercials. Thought this would be a good choice and the ratings seemed good however application will not verify my identity even though it has partial Social Security information and photo ID information from my license this is ridiculous I don't like providing all this information but I did and it still doesn't work I'm done.

  12. Nakeylick Cyrison-avatar

    Nakeylick Cyrison


    Can someone explain to me, why would my credit score say 715 but when I go for a house, car or credit card the score they see is way different. Not one score i see on this is the same out where they check it. I just don't get that, if that can't work then exactly what is this credit score i see will help on.

  13. Wendso Kabore-avatar

    Wendso Kabore


    It would have been great if it could do Same Day withdrawal transfer. It's take 2-3 business days to transfer money from "Credit karma Saving Account " To a Checking Account in another bank. But i like the fact that there is no minimum to open a saving Account at Credit Karma. You can even open an Account online. Thank you.

  14. Aaron Laramore-avatar

    Aaron Laramore


    The score reported by this app is consistently and incorrectly much higher than the actual scores pulled by a potential creditor. This makes the app useless for its intended purpose and can actually make you harm your credit with hard inquiries you might otherwise avoid. Get the scores reported to be in line with the scores creditors get so consumers using your app are making decisions that are rational for the score they have.

  15. Diamond Powell-avatar

    Diamond Powell


    I can't report on the overall accuracy of the scores because I'm still rebuilding credit... But credit karma has helped me so much in taking the steps I need to fix my credit. I have been able to raise my scored 100 points just this past year and am hoping to get it up high enough to get a new car soon with lower interest. The tips on when to pay and how much to pay my accounts are invaluable. Even on when to open accounts and showing me potential offers. I've learned so much from this app.

  16. Lisa Kandler-avatar

    Lisa Kandler


    Always had the best experience with credit karma!!! I even filed my taxes through credit karma and it was a quick and accurate return! Credit karma is extremely helpful and informative with all my credit needs and I have been with credit karma for I think 5 years now!!! Super Awesome, would recomend them to everyone!!!!

  17. Sebastian-avatar



    Quite Ridiculous That Theres No Options Within The App To Update Ones Account Information...Or Close/ Delete Ones Account[If Needed]... AND ARE NEVER UP TO DATE WITH MY CREDIT CARD BALANCE... Otherwise A Splendid App...POORLY Slow Updating...Shows I Have $7 Credit Card Balance...Paid Off MONTHS AGO!!...

  18. Brittany Dunlap-avatar

    Brittany Dunlap


    I won't be using this app anymore because it's a 100 points off my actual score which cost me a home loan. I have been using it to monitor my credit for about 2 years now and my score was actually a 100 points lower than what it said. Do not trust this app.

  19. Technubian-avatar



    This is a great app to get an idea of your credit score range but not accurate. It also referred me to sign. Up for credit cards prematurely while trying to rebuild my credit causing multiple denials and hard inquires.

  20. Sanya21 Sk-avatar

    Sanya21 Sk


    Ok I downloaded this because of the so called "free credit check" and turns out this is nothing but a scam. According to this app my score is in the low 700s while in reality I'm getting denied for the smallest amount for credit cards, from which I get a letter saying my score is 550. So why make up that fake score? Useless app, deleting this junk

  21. Chalena Venegas-avatar

    Chalena Venegas


    Very helpful customer service online support. They responded promptly. Helped me resolve my issue. Now that I'm using the app I am very pleased with the interface and user friendly layout.

  22. Christopher Matthews-avatar

    Christopher Matthews


    I would rate this 4 stars instead of 3, but you sent me a pop-up notification on registering to vote. What in Hades does that have to do with credit monitoring? That's like having someone from the warehouse telling me how to manage IT servers. STAY IN YOUR LANE! Otherwise it's a decent app that advertises a lot, but you are getting free access to scores on two of your credit reports.

  23. Avian Earth-avatar

    Avian Earth


    So far so good and is accurate as can be according to Trans Union, although it doesn't give my FICO score. Also, I wish that it can show what my Trans Union score was within the past year, by month.

  24. Tori Love-avatar

    Tori Love


    Its pretty accurate, but the app won't let me change my phone number or my password, so I can't do anything within the app. Kind of pointless to keep now.

  25. Josh Augustine-avatar

    Josh Augustine


    I like it but it's decieving says I have a 603 credit score, go to buy a car and get told I have no credit and receive a letter from the creditor that denied me that I only have a 500 credit score makes me wna delete the's useful for seeing where my debt is though

  26. K. S.-avatar

    K. S.


    Exceptional - the only reason I knew I was in collections and my credit score was taking a hit, was due to this app. My hospital conveniently forgot to send me the bill.. poopsies.

  27. david forgus-avatar

    david forgus


    helped me monitor my credit while building it. took about 6 years because I started from scratch. I went from 453 to a 769.lots of work,but to monitor works great!

  28. Tracy Morris-avatar

    Tracy Morris


    Credit Karma is great its helped me so much. This is more of a suggestion but i think a lot of people could benifit from it. Credit karma and Engage (by trueaccord) should team up. All the people that would love this would be endless.

  29. Mel Yambo-avatar

    Mel Yambo


    Really like the app keeps me posted with changes in my credit score good or bad. If you are trying to build your credit this is a great place to start.

  30. Bridgette Donahoe-avatar

    Bridgette Donahoe


    Love this app!! Very helpful and have been using Credit Karma for years!!! Accurate information! Highly recommend trying this app!!!!

  31. Tika LaTrece.-avatar

    Tika LaTrece.


    Inaccurate! On the app its says that my credit score one thing but when I tried to apply for a car loan. It said that my creidt score was actually lower. The app gives inaccurate report of scores.

  32. Karyn Broadbent-avatar

    Karyn Broadbent


    You know I always loved this app but as of late I cant even get in to see my score. Its always a hiccup and credit karma is sorry try again soon. Its frustrating 😒

  33. Wintearia-avatar



    Helpful and very insightful. Please continue with this project for many years to come .. only downside is the constant trying to get me to sign up for another card lol

  34. Javon Lomax-avatar

    Javon Lomax


    I have had the CreditKarma app for a while now and I have to admit this app is a must have. Like this should be one of the apps that are automatically installed when you receive your phone because it is too essential. Everything is made easy on it. I was able to build my credit, always made aware of any changes on my credit report, and I even did my taxes last year using it and I have always used companies in the past. If I could give CreditKarma 10 stars I would.

  35. Katlynn Robinson-avatar

    Katlynn Robinson


    I cant even set up my account because it keeps giving an error on my info and it's not wrong I've triple checked. Also contacted a customer help and they still didn't help figure out the problem.

  36. Samantha Danley-avatar

    Samantha Danley


    Great app for Credit Monitoring! The best. Easy to use. No issues.

  37. Rodolfo Quezada-avatar

    Rodolfo Quezada


    Only please try to get update my credit report to see my changes and my increasing points because look my info is behind like two months 🙃 thank you very much but is my only concern but is good and helpful tool thank you.

  38. Romeobabyy-avatar



    Love this credit app. Doesn't effect my score. Has raised my own score from 400 to over 630! Helped get me a credit card and has loan options, buy or sell your car options, you can dispute any dings on your credit and it always gives you the best advice on what you should be doing to get your score higher. I will use this app forever.

  39. Michael Adams-avatar

    Michael Adams


    I'm really liking this app. Their dispute system is amazing along with all the other perks. I recommend to anybody attempting to repair there credit. Thank You Credit Karma...

  40. Christina Rey-avatar

    Christina Rey


    I'm trying to improve my score and this app helps tremendously! I like that it's very accurate.

  41. N Jane Repka-avatar

    N Jane Repka


    Always helpful. Keeps me 'up to date' on each acct as to percentages utilized. Helps with planning.

  42. B1G5L1M-avatar



    Got this app to keep track of my credit before buying a house. App is laid out well and is easy to use.

  43. Wesley Schwab-avatar

    Wesley Schwab


    Scores are not accurate. I get alerts all the time for things that have either not happened, or don't exist. Then one day they just suddenly disappear like CK realized it was a mistake and removes it to pretend like it never happened. DO NOT use this app to seriously monitor your credit. It's nice to see all your balances in one place, but get your credit score from a reliable source before applying for anything. This app is basically an ad machine, not much else

  44. HeatherLee Ibarra-avatar

    HeatherLee Ibarra


    A great guide, not perfect, but neither are our scores 🤣 In my opinion way too many credit card and loan offers, that are not really geared toward people trying to get their credit scores up and learn good money habits. They may be what some people choose or need to do, but the offers are not very good.

  45. Taumika Mills-avatar

    Taumika Mills


    Once I put my info in it constantly says it blew a fuse, and now I can't get past the login screen

  46. Kevin Flick-avatar

    Kevin Flick


    Credit Karma scores have no relation to real life. Credit Karma's credit scoring system artificially inflates your score. Your score that a lender pulls will always be lower, sometimes as much as 100 points (in my exlerience). There are some good tools and some good credit education here. But, rather than try to make me happy by seeing an artificially high score, I'd rather see what my creditors are going to see. It would be much more helpful in guaging my next credit steps.

  47. Nathan Boykin-avatar

    Nathan Boykin


    To the developer thanks for your prompt response in trying to solve an issue, I had in getting into my account, unfortunately it's not allowing me to go any further except viewing my credit report & score: still having problem with my username & password: don't know what happened I have use this account at least 100 times or more no issue & suddenly it stop recog my pin & account no matter what I do; no luck: so I've decided to uninstall the app. No off 2/U just not working for me.

  48. nolan wood-avatar

    nolan wood


    The app only shows my scores, it gives me "oops, we hit a snag" whenever I try to do ANYTHING else. Please fix?

  49. Luis saenz-avatar

    Luis saenz


    This app functionality is perfect. It shows a best estimate of your credit score and how your everyday transactions affect it. It also goes the extra mile and gives you tips & tricks to make your score even higher. Something I would like to see implemented is a goal setting function. It would be cool if the user could choose where they want to their score to be and be given a plan on how to get there.

  50. Oro-avatar



    Horrible app. The app lies to you about different things. They tell you when the credit bureau is going to check your credit and that never happens. "Oh lower this payment because in three days they will check your credit," They end up checking your credit 6 months later. It stupid that the slightest confusion or mistake, your credit score gets affected, but you can be doing well for 6 years and your credit stays the same. Support is garbage as well.

  51. Maintenance Soup-avatar

    Maintenance Soup


    Extremely inaccurate, I used this app for years. And watched my credit grow from 500 to about 700 or so. I was feeling good, but kept getting denied for everything. Got a piece of paper in the mail for a denied home loan for having a credit score of 550??? I used another site and alot of old stuff was still there. Credit Karma reported almost 150 point off!

  52. Justin Bustamante-avatar

    Justin Bustamante


    For some reason my app is frozen used to be able to see what I qualify for , but now it doesn't show much tells me there's a error

  53. Riley Escobar-avatar

    Riley Escobar


    I needed to update my information and I had to go through emails. Honestly it wasn't until I gave a 1 star for the app before someone responded. I'm updating it to a 4. The app and it's service is great but customer service is a hassle get better customer service like a chat or a PHONE NUMBER and I'll update again

  54. Tom W-avatar

    Tom W


    Abject Failure. Pass this one by.When I first started to enter my name it choked and wouldn't take my first name. I hammered on the key, switched out to another app to make sure the problem was not on my end and finally got it work. Until I tried to enter the last four digits of my SSN. After repeatedly trying to get it to accept ANY of those digits I finally gave up. Hey if you were interviewing candidates for a job and one of them showed up drunk wearing a torn and dirty suit, what would do?

  55. Cale Grauberger-avatar

    Cale Grauberger


    Credit Karma has helped me improve my credit by 100 points in just a few short months. I enjoy the ease of use in the application. If you need help understanding your credit report, Credit Karma makes it easy to understand. I highly recommend downloading the app and get your credit back on smooth ground!

  56. Pam Perry-avatar

    Pam Perry


    Always a great experience. Informative about my credit score and credit history.

  57. Amy Larer-avatar

    Amy Larer


    It's a good app and company. It let's you check your credit score for free, continues to monitor your credit score everyday and gives you warning if anything changes + it helps you build your credit with directions on how to do so, plus motivational messages to help you keep trying to get a better score. It rates the credit cards by how easy it will be for you to be approved and has a lot of other things like that to help you along the way to a better credit score and it's really free!

  58. Roseann Palmieri-avatar

    Roseann Palmieri


    The app was fairly accurate until recently. It's reporting all the wrong information. My credit score shows a dramatic drop in scores. I contacted transuion, equifax and they don't understand. Also the company they said was associated with the drop had no clue as to what is going on either. The new update is horrible and not user friendly at all . Also you can't contact anyone for support. I click on the email for contact help and I get a response back the site is unable to respond .

  59. rehtzel13-avatar



    well ck is not very accurate but once you know your credit score and compare you can have an very close idea of your actual score . one thing that is nice is also that you can check all your accounts for free and see your balance and keep track of it .I really like CK

  60. Rajiah Abdullah-avatar

    Rajiah Abdullah


    its keep you updated daily, I love this app because it tells you what on your credit report needs to be fixed and it rates it off on what's important that needs to be taken care of right away and what's not as in important that can wait.

  61. M B-avatar

    M B


    Love this app! Simple to use. Easy interface. Clean look. Great job!

  62. Luke Clayton-avatar

    Luke Clayton


    Overall, wonderful experience! I noticed many people were complaining that their scores are fake/manipulated. The scores are not based on FICO which tends to lean worse/conservative in my experience. Instead it's Transunion and Equifax. The way credit karma visualizes loans and assets is super user friendly and gives you handy info too.. It sounds like I'm typing an ad but they really do. It would be very difficult to consider another finance app.

  63. Tim Staley-avatar

    Tim Staley


    This app uses VantageScore which in my experience is useless. My mortgage servicing company changed and it caused my score to drop 30 points in a week. The VantageScore couldn't decipher that a new, identical balance mortgage was in fact duplicate data. And, in a couple weeks the old servicer "account" was closed so now it is counting a closed account as if it were a real account to begin with. I get FICO from my bank and that score was unaffected by the change of mortgage servicer.

  64. Kevin Rodgers-avatar

    Kevin Rodgers


    This app is a complete waste of time.. They lie to you about your credit scores because their whole intention is to shove predatory high-interest loans down your throat.. do yourself a favor pay for your credit score on Experian..

  65. Valerie Kilgo-avatar

    Valerie Kilgo


    Very disappointed in this app right now everything was ok until I couldn't log into my account. I have been trying to log into my account for 3 days now with no resolution only to speak to someone through email. Never dealt with a company that you could reach them via telephone. They were suppose to send me a link to reset my password which password has been changed 2 or 3 times already. I just want to cancel my. Just fed up and unhappy.

  66. Dave Myers-avatar

    Dave Myers


    Credit Karma is a wonderful app for people who want to maintain their credit. it allows you to see negative marks on your credit history so you can repair these problems. also gives you helpful suggestions on how to improve your credit with this apps help I went from a credit score in the 500's I fixed all my negatives and got a score of zero and then was it able to follow the app suggestions current credit score 793 in less than a year

  67. Zack-avatar



    The absolute best if you like to manage and keep track of your credit score. For me personally I've actually found that CK is usually a little lower than what the lender tells me, I don't think that's a problem though because when the lender comes back and tells me my score is higher than what I thought well....I'm not complaining.

  68. Catherine Graham-avatar

    Catherine Graham


    This app sucks. It is off on scores by about 30 pts lower reported by other credit agencies. My score drops daily. I have never been late or missed a payment. Today my score dropped 28 pts for absolutely no reason. No way to msg company and ask what is going on. The algorhythm for computing scores is bogus. All I get are msg asking if I need loans, refinancing for house or car......fix your program.

  69. DIIVIE 2.0-avatar

    DIIVIE 2.0


    The app runs very smooth, no crashes or unnecessary freezes. Lots of features and very useful for individuals who really care about their credit score. Me personally I love how CK let's you view all the creditors and which derogatory accounts you need to pay off. All the tools to your credit info needs its there. The only feature I really think they should include is where you could just pay any creditor off by just paying credit karma, now that would be a game changer and alot less stressful

  70. Travis Bertoch-avatar

    Travis Bertoch


    This is a good app to keep track of my credit history past and current. I like how it shows usually how much is left on loans and such so you know know how much is left helps me focus on paying them off has a lot of other features and tools that I haven't used but in regards to your finances you might be interested in.

  71. Simple man-avatar

    Simple man


    This app sucks big time .. Scores are way off . They don't update correctly what so ever . It's been saying I've been on time making payments for 3 months when it's been much longer then what they say . The score is off by definitely 30 points or better . It's bad enough the credit agency will drop your score 30 points for little stuff but will only gain 1 point at a time when doing everything the right way ,then you have to deal with all the credit karma inaccuracies .. smh terrible .

  72. Danny V.-avatar

    Danny V.


    Once it decides to function its actually really useful. 3 stars because once you signed up you start getting bombarded with annoying emails most of them are just ads to get you to use more of the apps functions. I know the emails could be stopped in the settings but why do we have to go through all that just to stop spam. No thank you I won't contact your company as I'm looking for another that wont offer me cards from "fingerhut".. dev its fixed I used another app.. just like that

  73. Bre C-avatar

    Bre C


    My Credit Karma score has never been the score that lenders pull up. The points vary not necessarily significantly but there is a difference. So I use Credit Karma to kind of gage where I am but not where I actually am. The tools are great though! I use their savings account feature & the information they give about auto & home loans. Using the tips & tools helped me to bring my score up roughly 100 pts. You can't go wrong with Credit Karma if you utilize what they offer and apply it.

  74. Angel Delgado-avatar

    Angel Delgado


    Was a good app. Im having the same problem other people are having. Credit Karma giving innaccurate numbers. Had to call one of my companies to dispute it. The service guy told me to download Experian instead since they give accurate reports. I thought i had just lost 36 points for opening an account with Discover. Turns out credit Karma is just giving me false numbers.

  75. johnny holland-avatar

    johnny holland


    Love it very useful except for the beta being full cannot use mobile app on my LG phone have to log on from a Google site

  76. john tatro-avatar

    john tatro


    I don't like this app because it's fake. This app give me fake credit scores. For a long time I thought that my score was excellent....then it dropped to "needs work" and then a few weeks later back to "good" and then was stuck at "needs work" for 2 months. I ran my credit to get a car and it was at "excellent" the whole time...wack app! Now I use Experian because they are wayyyyy more accurate and more reliable. NO ONES EXACTLY THE SAME? CK HAD ME AT 630 AND THEY WERE MORE THAN 100 POINTS OFF

  77. Mr M3rcenary-avatar

    Mr M3rcenary


    I've had this app for awhile now and for it being completely free, the amount of tools and help it gives you to build and maintain credit is absolutely amazing. Just by following the advice on the app and using what's available, I've been able to increase my credit score by 100 points and climbing.

  78. Katie Rutherford-avatar

    Katie Rutherford


    Every time I try to change my email it says sorry we are having technical issues so I can no longer access my account

  79. tizoned1-avatar



    Sign up went smooth until submission, then errored out. Logged on to website to reset password which was successful. Could not login to app. Today logged in, finish setup and authenticate with finger print. Errored out. Force closed the app and logged in again with success. I have a monitor for all 3 bureaus so I know my exact scores. This app shows nearly 100 points below what TU and EF are reporting. Decent UX for accts page but many button require more than one tap to expand

  80. Piggy-avatar



    Showing the wrong credit score. Thought we could get an apartment because my credit score was above the minimum and turns out it actually wasn't so I spent money on filling put the application for no reason. Thanks for the fake info! Yay

  81. Derek Jent-avatar

    Derek Jent


    Easy to see and review your credit scores. As well as see what's having a positive or negative affect on your credit scores. highly recommend trying out the credit karma app. I've had it for around 8 months and my score has gone up 100 points.

  82. Linda Brady-avatar

    Linda Brady


    App sucks... give you ways to improve credit score and when you try them your score of the ways to improve was to get/use a credit card and make regular payments on I applied for a card got denied because my score was already not good and what happens my credit score drops even more..

  83. ibrahim Kebbeh-avatar

    ibrahim Kebbeh


    This app is truly incredible. It has everything you could ask for regarding your credit. There is even an AI that you can have a discussion with to increase your knowledge on credit and talk about your credit standing. This truly is a great app.

  84. Ashley Boyd-avatar

    Ashley Boyd


    Used this app for years and it was great even helped me build my credit and helped me plan for the future ....i had an issue where i couldnt get my money from savings and they were quick to respond ...i wish they had a number i could of call be still they fixed the issue ..the scores arent 100% accurate but they are close and will help someone tring to improve their credit

  85. Luis Vargas-avatar

    Luis Vargas


    Im having problems with the app, im trying to register my info and it keep saying theirs a problem. Please help

  86. Barbara DeLaye-avatar

    Barbara DeLaye


    These people are a joke! My phone number has changed and I have repeatedly tried to update the number and they do not respond. So I have tried unsubscribing to their annoying emails and can't do that either because they keep sending the verification code to the old phone number to which I have no access.

  87. Rebekah Parrott-avatar

    Rebekah Parrott


    Alot of people saying that the scores are inaccurate is not true. There's 3 scores Transunion, Equifax and Experian(please add Experian to this app). All 3 = your fico score. There's different calculations of fico scores fico 8, fico 4 etc. Different lenders use different fico score calculations. This app has been awesome 👌. I went from 500's to 700's after disputing bills that were paid. All 3 credit bureaus had different information-items that were paid on one showed i still owed on another.

  88. debora stengle-avatar

    debora stengle


    Try to get help with logging into my account because I forgot my password. The only way I can get my password changed is on a phone that I no longer have and a phone number that is no longer mine. There is no support it just keeps sending the code to my non existent phone and number at least for me your sending it to someone else !

  89. Glenda Parrish-avatar

    Glenda Parrish


    No thanks, I don't have time to sit and wait forever for a representative and the problem isn't fixed. I will just not use the app. Thanks.

  90. Jerry Rigged-avatar

    Jerry Rigged


    Non-existent app support. Spams it's own products with a non-functional "close" button. No in-app bug submission. Serves it's purpose, but also actively engages in the absolute worst app practices which is wholely disgusting in its own right and drowns out the good parts with all the bad

  91. Casey Philbin-avatar

    Casey Philbin


    Not a fan of this most recent update... it's all the same color and not as user friendly. I enjoyed the run down from the previous version that allowed you to swipe through your summary. I appreciate CK's quick response and overall it's a great app-definitelt helped me manage my credit positively 👍🏻

  92. Peter D.-avatar

    Peter D.


    Switched phones, same number and info and can't log in at all. A continuous looping back to start no matter what I tried. IDK fix it. I thought it was an ok app when it worked but I found that I could get info they provide almost anywhere else. Not a serious app for finances. I wouldn't rely on its info. It seemed way old to me.

  93. Corise Bean-avatar

    Corise Bean


    this is definitely the #1 app to help your credit. I've been using this for years! the only hiccup is sometimes it will take awhile for CK to notice a credit change, but all information has been very accurate for me!

  94. Lane King-avatar

    Lane King


    I'm signed in and it makes me use my thumb print to verify my identity and then it says security error. My print unlocks my phone and all other apps with no issue. Please help me fix this issue. Update: still no help.. still having problems on mobile app as well as website. Extremely disappointed.

  95. cybersoldi3r-avatar



    one of the best app, to keep track of your credit. The only negative about the app is that it tracks your credit score with 2 out of the 3 credit rating companies. Other than that a good app I would recommend

  96. A Google user-avatar

    A Google user


    Not all high approval actions on getting cards are accurate, could use an update on accuracy instead of having to fill out forms to be denied.. Other than that app is great, unless they start updates you dont need or confuse the screen I'll keep using it..

  97. Aaron Wade-avatar

    Aaron Wade


    I appsolutely love th Credit Karma app. It's free, helps me manage everything, but the only thing i don't like is. Well the fact that it will track all of your payment's and missed payment's. But there is no way to set up payments with Credit Karma. Also if there is a Credit Karma savings account why haven't i gotten my Credit Karma card?

  98. Jeffrey Hanson-avatar

    Jeffrey Hanson


    Not sure why a bank runs my credit score they get a transunion score of 729 but this app has me down as 642. Clearly there is a problem. This is the second time I have noticed this. If you can't tell me an accurate credit score then what's the point?

  99. Kevin Brumley-avatar

    Kevin Brumley


    Love the app but it needs to be more accurate with your credit score and have a better way to reset your password incase you forget it!! Other then that it's amazing. And still got a 5 star rating from me

  100. Gabron Jones-avatar

    Gabron Jones


    App sucks now after update can't navigate nothing nor see nothing but my scores can't scroll, click or close app.

  101. Holly Flores-avatar

    Holly Flores


    Dont ever get a new phone number if you have a savings account with them. I cant change my number because "its already in use" by person who previously had the number. I tried emailing them and they want personal documents as if your at the dmv. If i dont need those documents to change the number in the app then i shouldnt need to send a stranger my personal info. So i cant access my savings account. I cant close my account without closing the savings account.

  102. Rene Garcia-avatar

    Rene Garcia


    I am so disappointed with the information I am being given by Credit Karma. After using Credit Karma as a tool to qualify for a home loan, when bank ran credit, the numbers were off by 100 points! Neddless to say, we did not get qualified. I don't know where the miscommunication is happening, but i will not believe in Credit Karma, I felt lied to.

  103. Lamar Ford-avatar

    Lamar Ford


    This app is just bad. It said my credit score went up to 652 but it really was only 609

  104. Sherrie Morris-avatar

    Sherrie Morris


    For the last couple of days the app has'nt allowed me to long in with password or biometric fingerprint. Its realky getting frustating when you have an app on your device that works whenever it feels like it. Maybe I will just uninstall it. Its not worth the headache and frustration.

  105. Tony Stanley-avatar

    Tony Stanley


    This scale system isn't real. My ACTUAL credit score is 100 points lower than this sham credit karma score. I found this out when trying to get a loan. And again when applying for a mortgage! Credit karma just wants all your bank info and gives you a fake credit score! DO NOT USE! Unless you just want to look at a fake inflated score, that means nothing in the real world! I am immediately deleting my credit karma account. If you want to see your REAL score, downloading your bank's app.

  106. Evvie Gulley-avatar

    Evvie Gulley


    Very incomplete. It shows only a fraction of what is actually on my actual report. I thought I only had a small amount of medical collections but I found out I have many other collection accounts I was not even aware of. Also is constantly trying to get me to apply for more debt.

  107. Beverly Ward-avatar

    Beverly Ward


    Excellent mobile app. Updated and accurate info regarding your account.

  108. Lenny Marsidi-avatar

    Lenny Marsidi


    I dont like this app because it always have to put code or password everytime I open it, dont remember not good for elderly people.

  109. Chasity Olszewski-avatar

    Chasity Olszewski


    Great app checking your credit score is so easy and it doesnt have a negative impact on your score for checking. The score they give you is updated every friday but seems to be behind with information by like a week so it wont be 100% accurate until the next following friday.

  110. Ruthie Cochran-avatar

    Ruthie Cochran


    I like that it gives scores but the settings suck, need to change my phone number but keeps sending code to my old phone and doesn't give me any of the other options listed in the help section. Filled out a contact us form but won't accept it. Becoming useless.

  111. Alaya Johnson-avatar

    Alaya Johnson


    I would have given it a five star but for some reason I have not been able too look at recommended credit cards for some months now, and in every category I choose it says " oops nothing found" or "unknown error, try again".

  112. Luis Landeros-avatar

    Luis Landeros


    Great app! I was able to mitigate the damage of identity theft as a result of this app. It gave me alerts right away when something was placed on my credit report and I was able to freeze my credit so no further damage was done. Thank you CK.

  113. Kyle Stafford-avatar

    Kyle Stafford


    Will change to 5 star when the issues get fixed. It will not ever pull my credit card offers up and regularly crashes. It does help you get your credit better though.

  114. Jay Jameson-avatar

    Jay Jameson


    I cannot see my TransUnion data. All it says is just "No data". It will show a credit score but nothing else. Can you tell me how to fix this? It's been like this a few months now.

  115. Alyssa Inglett-avatar

    Alyssa Inglett


    I'm not taling about the credit unions updating things I'm talking about the app sending me notifications telling me "congrats you're score went up this much or hey you're score went down this much " and then when I log in theres no change whatsoever. So either it's not updating correctly and you need to fix the app or its sending false information on purpose.

  116. Tiffany Stenslie-avatar

    Tiffany Stenslie


    I have really enjoyed this app. Have been using it well over a year or more and since I have been using it, I have seen a significant increase in my credit score. Very excited about being able to bring that up and all without hardly any effort.

  117. Dania Ann-avatar

    Dania Ann


    can't log in. Please fix birthday thing, I'm 45 years old, it takes forever to backtrack by the month. Annoyed already, haven't even logged in, and can't complete 3 fields to move to step 2 of contacting support, as there's nowhere to click. Uninstalled.

  118. Rodney Rodgers-avatar

    Rodney Rodgers


    Credit Karma is not even close on credit scores. If your really wanting to track you score for thing such as auto or mortgage loans this is not the app to use. Use myfico, it will show exactly what the banks will see.

  119. Brando del rio-avatar

    Brando del rio


    I can't create a damn account without it keep telling me that my own SSN is incorrect when my "incorrect SSN" works in every other use that needs it.

  120. Travis Lashure-avatar

    Travis Lashure


    Always nice to be able to look at where you credit score is.

  121. Mike Allison-avatar

    Mike Allison


    Nice for checking your credit score but don't bother using any other services. I got caught up in their "best suggestion" to refinance my car loan. Turned out to be a broker and all they did was run my credit and damage my score. All my because my car JUST hit 100k miles... thanks a lot credit karma. Your suggestions hurt my credit

  122. David Medina-avatar

    David Medina


    this app is excellent. free of charge. Thank you so much for your services. Helps me keep my credit clean and let's me know of what is going on. I learned so much a iut credit with this app.

  123. Renee Manganaro-avatar

    Renee Manganaro


    This app makes it easy to keep track my score, provides explanations as to why my score changed, and offers helpful suggestions to positively boost it as well.

  124. Lisa Dunnihoo-avatar

    Lisa Dunnihoo


    Helpful suggestions and resources provided if You are looking to improve Your credit score.

  125. omar cruz-avatar

    omar cruz


    Very good app love that you can see everything and dispute things I have no more derogatory marks I dispute it all 12 of them happy to say we suggest to anyone who's looking to see their scoreonly have one problem with the site to be honest I wish they had a financial advisor or someone to talk to who is live that would be amazing and would make the app excellent 💪😍🥰

  126. Ashutosh M-avatar

    Ashutosh M


    I am able to login to the app but not able to click on anything. It just freezes after login. It's happening from last few days.

  127. Family Dutton-avatar

    Family Dutton


    Used to be a great app to improve credit and dispute items on report. The have gone way down hill. Also do not supply personal information to sign up. Bad things will happen to your indenity. Very DANGEROUS

  128. Majestically Inclined-avatar

    Majestically Inclined


    Finally something free I don't get charged for and NO hidden fee! I can constantly check my score 😂 without fear of it dropping ever time. This app has helped me by helping me keep an eye on my score and more! Thank you

  129. Cassie R-avatar

    Cassie R


    App doesn't work anymore. It used to be great but now anytime I log in it shows the 4 loading dots and never actually loads anything. I constantly get updates but anytime I log in it's a different version of the spinning wheel of death.

  130. Douglas Seaton-avatar

    Douglas Seaton


    I enjoyed this app until I took its advice and applied for a personal loan through Payoff, who required a phone number to apply. Now I'm getting bombarded with spam text messages and calls, up to 20 per day. Thanks for nothing!

  131. Barrie Holtzer-avatar

    Barrie Holtzer


    Does not show score accurately. If you log onto the credit bureaus sites the scores are very different. Example score on site shows 620 but the app shows 523. That's a very big difference. I am no longer using this app.

  132. Savanna Dodson-avatar

    Savanna Dodson


    I can't even get through the sign up process! It tells me it can't verify my identity with my social. I deleted the app and redownload, restarted my phone... still not working. Aggravating!!!!

  133. Carol Seay-avatar

    Carol Seay


    This app is easy to use. It only take a minute or two and you know exactly where your credit score stands. Updates at least weekly and you're better able to know if you're improving. It also has really good advice about how to improve your score.

  134. EMMA PINA-avatar



    not up to date. Meaning it's lags with actual credit reports. only 2 bureaus. Does not fix anything that needs to be corrected in the 30 day time stamp. NEVER do on CK do in mail and send it certified receipt

  135. Jack Paar-avatar

    Jack Paar


    Credit Karma has helped me get my credit rating from 580 to 750 in a couple years. Excellent app to help you regain control of your credit. Thanks CK!

  136. Latwanique Cox-avatar

    Latwanique Cox


    Wasnt able to contact anyone for anything I needed help accessing my account when I got a new phone number and did not receive help at all and I also have a savings account that I can't even get to because of no customer service bad services.

  137. Tracy Bosier-avatar

    Tracy Bosier


    Credit Karma is a great app that helps give you tools that helps you to get the best out of your credit score and others things like giving you information about getting a house or a car and so much more .

  138. ELIJAH EKANEM-avatar



    It takes CK like 100 days to update your scores. My experience is that all the info it gives me is wrong wrong wrong when compared to credit wise which gives me a real time update on your credit accounts. The whole report from CK is just disappointing.

  139. Lisa A-avatar

    Lisa A


    Was great until I discovered they were telling me my credit was nearly 80 points below what it really was. I assume they make money off their sponsored products that people are more willing to use if they think it will help awful credit instead of getting a better interest rate elsewhere.

  140. Paul Forester-avatar

    Paul Forester


    App great for keeping up with credit score.. although you can check your credit online through credit karma, the app allows for disputes , quick viewing, etc. Great for when your going through credit repair process

  141. Kingstonz6363 markanthony6363-avatar

    Kingstonz6363 markanthony6363


    MOST READ. Ok i noticed that when someone run your credit for a new loan it take like 7 points but when you pay your credit card on time they take time to report it or they may just give you 1 point. BE VERY CAREFUL WHEN IT COMES TO YOUR CREDIT BECAUSE IT SEEMS LIKE THEY WANT YOU DEBT

  142. Lee Storey-avatar

    Lee Storey


    Recently added this app and am so glad I did. Have closed some unused accounts I thought were previously closed. Also keep up with my credit ratings. Very easy to use and helpful in paying off mortgage faster.

  143. Maurice Horner-avatar

    Maurice Horner


    Your last update made the app harder to understand. Less information, filters of only open accounts doesn't work. Closed accounts should be in a separate location if not deleated after a 1 or 2 year time frame.

  144. Gopama son-avatar

    Gopama son


    Credit information history is incorrect !!!! Called says $0.00 value remaining past due !!! Lag delay for one plus 7 pro 90 hrz refresh rate with finger print reader config !!!. Other then that shows a better score rate improvement on my end !!!.

  145. Dannie D-avatar

    Dannie D


    I been trying off and on to finish signing up. The issue I'm having is with my SSN number part, I put the right one in and it's giving me issues. I tried to get a hold of customer service and no luck in that area.

  146. S S-avatar

    S S


    App works one time, then it says it cannot connect to server. I would have to uninstall, then install again. Update: Once my initial comments were made n CK replied to my review, the application started working flawlessly. So i hv changed from 1 to 4 stars.

  147. Jeff Stenberg-avatar

    Jeff Stenberg


    I have tried to log into your website for over a month and have been unsuccessful. I just downloaded the app to tey that avenue - which took 4 tries - and I get a log in error...

  148. Fat Head-avatar

    Fat Head


    It's a cool app to monitor your credit, but it is a little slow reporting changes, and it always tells you your score is higher than it actually is...

  149. jes valdemar-avatar

    jes valdemar


    They tell you need to open up more credit cards and open up loans so your score can go up. Dont need more credit cards as I pay my Bill's on time and pay balance off of my credit card. This Is a scam so you can get in more debt and fall behind on Bill's so you pay interest and finance fees. I pay cash or what I buy in full not so I can live pay check to check try to makes meet. Oh my score went down 100 and nothing has changed since everything is allotment or taken out of account automatically

  150. Ed Berry-avatar

    Ed Berry


    Was a good until the recent update. The only thing I can see is the homepage none of the buttons work now. Very disappointed