Credit Karma Customer Community (2024)

FAQs

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Credit Karma offers free credit scores, reports, and insights. Get the info you need to take control of your credit.

Member of the Month will be selected using a random number generator. We'll draw the winner each month from a pool of members whose credit score went up by five points over the previous full calendar month.

Generally speaking, the entire process takes about a month from the date you submit the dispute. According to the FTC, the three major credit bureaus must investigate the disputed items “unless they consider your dispute frivolous” and the investigation is “usually within 30 days” after you dispute an item.

It provides free access to credit scores and other credit services as well as personalized recommendations for credit cards, loans, and insurance. It makes the majority of its money when people click through its site and complete transactions for financial products offered by other providers.

In September 2022, the FTC announced an enforcement action against Credit Karma, alleging that the company used claims that consumers were “pre-approved” for a credit card or had “90% odds” of approval to entice them to apply for offers that, in many instances, they did not qualify for.

We're sorry to hear you're having difficulty logging into your account. Here are some troubleshooting tips that can help: First, make sure you're using an updated version of your browser (Google Chrome, Firefox, Safari, etc). Clearing out your cache and cookies, and then refreshing your browser could also help.

Checking your free credit scores on Credit Karma doesn't hurt your credit. These credit score checks are known as soft inquiries, which don't affect your credit at all. Hard inquiries (also known as “hard pulls”) generally happen when a lender checks your credit while reviewing your application for a financial product.

Since inaccuracies on your credit report could hurt your credit score, it's a good idea to open a dispute if you think you have been a fraud victim or notice any errors. Non-resolved issues could affect your credit health.

What happens if a merchant never responds to a dispute? ›

Merchants must adhere to the deadline given by the acquirer. If they miss it, they will lose the chargeback dispute by default.

Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.

As someone with a 650 credit score, you are firmly in the “fair” territory of credit. You can usually qualify for financial products like a mortgage or car loan, but you will likely pay higher interest rates than someone with a better credit score. The "good" credit range starts at 690.

Experian has one big advantage over Credit Karma – it is one of the three major credit bureaus responsible for determining your credit score. This makes it a much more reputable brand than Credit Karma, although that doesn't necessarily translate to better service or stronger security.

If your Credit Karma score isn't accurate, the problem is probably elsewhere. That is, one of the bureaus made an error or omitted information. Or, the information might have been reported to one bureau but not others.

It usually takes about four to six weeks for lenders to report new information (like new balances or payment activity) to TransUnion, and the frequency of updates can vary by lender. So it can take up to seven weeks for any changes or new information to show on Credit Karma.

Perhaps the card number is off by one number, or maybe you've mistyped your address or birthdate. Whatever the case, incorrect information could lead to your credit card being declined.

The answer is, “No.” There's no catch. No strings attached. We're not a scam. You can rest assured Credit Karma has your back.