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Credit Karma

Credit Karma Reviews

www.creditkarma.com
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What is your customer experience with Credit Karma?

Credit Karma Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

AI insights based on reviews
Rating Distribution

Credit Karma has 1.9 star rating based on 3048 customer reviews. 15% of users would likely recommend. Consumers are mostly dissatisfied and 76% of ratings are unfavorable.

Key Takeaways for Future Customers

  • Free credit scores and easy score viewing are appreciated.
  • Expect frequent account access and login issues affecting account recovery.
  • Many cite poor customer service and lack of phone support.
  • Users often request refunds or resolution for disputed items.

Negative Feedback / Risk Areas

  • Pervasive customer complaints about support and contact options.
  • Recurring account verification and locked account problems.
  • Reports of incorrect credit notices, potential fraud, and delayed refunds.

Positive Feedback

Customers value free access to view their credit score and some report successful dispute outcomes.

View full overview ›

Media from reviews

Credit Karma - Authorize payment with my credit card bank
Credit Karma - Authorize payment with my credit card bank - Image 2Credit Karma - Authorize payment with my credit card bank - Image 3Credit Karma - Need update my informationCredit Karma - Can't get my number to be verifieCredit Karma - RefundCredit Karma - Refund - Image 2
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A Collective Complaint helps you unite consumers dealing with the same issue, such as wrong charges, unexpected fees, damaged items, or misleading promises. It goes beyond a single review by growing stronger with every signature, making it harder to ignore. Once you reach 20 supporters, we’ll send it to the company to encourage a response.

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CFPB Complaint Radar

Powered by AI · Based on data from the U.S. Consumer Financial Protection Bureau and PissedConsumer.com

Top Credit Karma Consumer Issues

CFPB

  • Refund delays
  • Tax advances
  • Support issues

PissedConsumer

  • Account access
  • Password resets
  • Loan requests

Both sources reflect concerns about account access and service problems. However, PissedConsumer focuses more on issues related to login and customer support, while the CFPB highlights loan disputes and refund-related complaints.

View all complaints on CFPB
Show reviews that mention
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Carly R Vjq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Pissed

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AI Highlights
  • - Concern my name is linked to Credit Karma and TurboTax; a reset email was sent, and separation for 2 years has harmed my credit score and my taxes look affected.

I don't know if my husband has my name on something. It's coming from a credit card or what Credit Karma is, besides checking your credit.

But you had to reset the link sent to my email, and he has absolutely no promotion near anything of mine. It's awfully funny that Credit Karma is connected to Intuit and TurboTax, and my taxes are looking pretty messed up. He's done nothing but drop my credit score and leave me flat broke, so I really hope it's a mistake and he doesn't have anything in my name, around my name, or attached to me.

We have been separated for 2 years, and that 2 years has destroyed my life. Tack at the 16.

Preferred solution: I don't know until I find out what's going on hopefully it's just one big mistake. And to the did you lose money I have no idea what I've done because you're sending me *** that I don't even know anything about.

User's recommendation: Make sure before you go and try to call or chat with them on their customer service thing that you know exactly why you're getting your soon to be ex-husbands information coming to your email because you're not going to get any help any other way

View full review
Jason G Qrp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Decatur, Georgia

Cant login

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Contacted the company first

The reviewer tried to contact the company before posting this review.

AI Highlights
  • - Changed phone number; Mitek verification failed.
  • - Tried 10+ verifications; still not verified.
  • - Mitek says verified; Credit Karma says not.
Credit Karma - Cant login
Updated by user Sep 21, 2026

Been over 2 weeks now and still no progress

Original review Sep 21, 2026

I changed my phone number and they sent a verification through Mitek. I did the verification at least 10 times and they still won't verify me.

I only have 1 identification card and I look the same in the selfie I had to take, and they still won't let me in my account.

I've done everything they asked. Mitek says I'm verified, but Credit Karma says I'm not, and I'm pissed.

Pros:
  • Can check credit score
Cons:
  • Cant verify
  • No real people to talk to
  • Customer service has been unhelpful

Preferred solution: Let me into my account

User's recommendation: Think twice befote signing up

View full review
Ali H Lnk

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Springfield, Virginia

You give me $25 gift card I mistakenly...

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - You give me $25 gift card I mistakenly...
Updated by user Sep 22, 2026

please resolve my issue

Original review Sep 22, 2026

You gave me a $25 gift card, but I mistakenly entered the wrong mailing address. Please change this so I can receive it at the correct address.

Loss:
$25
Pros:
  • Goog

Preferred solution: Deliver product or service ordered

View full review
Kayla H Ank

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Janesville, Wisconsin

Something on that I didn’t do I don’t have a car

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Something on that I didn’t do I don’t have a car
Updated by user Sep 19, 2026

Confusing on to take stuff off

Original review Sep 19, 2026

It shows I have two cars down for insurance. We don't own any cars, so I don't know why they are down in my name for this address.

Can we please take these two car insurances off?

Kayla Hasty

608/322/6887

Preferred solution: Want the insurances off my account seein we don’t have cars in our names

View full review
Andrew R Ney

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Deposited money not there already talk to your stupid people in chat they didn’t resolve it

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Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Deposited money not there already talk to your stupid people in chat they...
Credit Karma - Deposited money not there already talk to your stupid people in... - Image 2

Wheres my money? ive already been on the phone with you guys.

Ive already been in chat six times I want my money. Its not there.

You guys keep telling me its supposed to be there in an hour. Blah blah blah CVS cant help me you guys are all I want my

Loss:
$175

Preferred solution: My money

View full review
Hubert L Tft

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Ashburn, Virginia

Update my phone number

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Update my phone number

Im having issue to log in ...I would like to update my email and my phone number to log in its very difficult to get back in my account I would like the acc3ss to get back in my account so I can see what impact is going on if I would like to make changes or forget my password please make it easy to get back in my account

Preferred solution: Update my phone number and password word

View full review
Alicia D Sqb

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Can't log into my account I

Credit Karma - Can't log into my account I
Credit Karma - Can't log into my account I - Image 2

I was needing help logging into my account, and I only have my tribe citizenship card. I just need my credit account unlocked.

View full review
Remo Csu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Peoria, Arizona

I'm calling about the removal of the credit history that I've had for years.

Contacted the company first

The reviewer tried to contact the company before posting this review.

AI Highlights
  • - User has no account and cannot reach a live representative.
  • - Removal of credit history; user seeks authorization source and error check.
Credit Karma - I'm calling about the removal of the credit history that I've had for...

I don't have a money account with you guys so I couldn't talk to a live person and I want to know who authorized to remove the credit history that I've had in my account for years, did it just change on its own because there hasn't been any change with the credit score or very little change with the credit score because I did not have anything removed from my credit score, please check for errors.

User's recommendation: They gave me information to talk with the chat I don't need to talk to the chat I need to talk to a live person about my credit being removed.

View full review
Aleathea B Iiq
map-marker Lawrenceville, Georgia

I was disconnected stating she was unable to hear me after putting me on hold.

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Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - I was disconnected stating she was unable to hear me after putting me on...

The wrong person's credit card is on my account, affecting my credit and my ability to apply for credit.

Pros:
  • It helps keep good track of your credit
Cons:
  • Its not being careful of whats placed on my credit

Preferred solution: Correct the error

User's recommendation: Not at this time

View full review
Tina A Chz
map-marker Murfreesboro, Tennessee

Someone is using My information

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Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Someone is using My information

Someone is using My information address email and social security number birthday through y'all want to stop that account

Pros:
  • Some chuckles dud

Preferred solution: To stop who ever using My information through y'all

View full review
Rhyan Mhu
map-marker Charlotte, North Carolina

Can't login due to old phone number

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Can't login due to old phone number

The company has me do identity verification just to change my old number so I can login but once I click link to do Id verification and then go back they hangup so I have to restart the whole process over. So they won't give me access to my account!

View full review
Sophia Tqx
map-marker Los Angeles, California

Verify

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Verify

To Whom It May Concern

I, Kristofer Dharmaputra, tried creating an account with my information but when verifying it says that there was an open account already with my number.

How can I solve this issue?

This is my number 843-709-****

View full review
Everton J Rzi

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Kansas City, Missouri

I need to know what's on my credit report

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Contacted the company first

The reviewer tried to contact the company before posting this review.

AI Highlights
  • - Wants to know their credit history and how to raise a 581 score.
  • - Seeks help to reach the right person for credit guidance; recently paid 2,100.
Credit Karma - I need to know what's on my credit report

I'm in need to know what's on my credit history. I was trying to get a loan today.

They told me that I had a low credit score. I would like to know what to fix my credit so I can get a loan to move into my house.

Is there any way someone can help me to get to the right person to help, please? I see that my credit score is 581, and I just paid a bill for 2,100.00.

Pros:
  • I will like to fix my credit

Preferred solution: I just paid a 2,100.00 bil and want to know did this payment made credit score move up.

View full review
Sonya H Sqr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Shreveport, Louisiana

They could not verify my personal information

AI Highlights
  • - Credit Karma could not verify my information, blocking account creation.
  • - They did not ask for my social security number or driver's license.
Credit Karma - They could not verify my personal information

Credit Karma claimed they could not verify my personal information. I don't understand why that is; I could not open an account because my information can't be verified.

They didn't even ask for my social nor my driver's license. I understand they want to make sure they're opening an account for the right person, but not verifying my information is really upsetting.

Pros:
  • Free credit score
Cons:
  • There is no way to get my situation cleared up

Preferred solution: A chance to open a spend account whenever they choose to verify my personal information.

User's recommendation: Look elsewhere because they truly don’t care about potential customers

View full review
Dennice Ojs

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Nashville, Tennessee

Override my pending deposit

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Override my pending deposit

I never received my money or my payments. They got to be deposited into my account from cash avalanche..

User's recommendation: Cash avalanche

View full review
Magan Egl
map-marker Bloomington, Minnesota

Deposit of money

Contacted the company first

The reviewer tried to contact the company before posting this review.

Credit Karma - Deposit of money

I deposited money into my account around 1245 ct time and my balance is still not updated it past the 30 min time mark and my account is still not updated

View full review

About

Related Companies

Credit Karma Canada, Credit Karma UK

Summary

Credit Karma is a private company which specializes in personal finance software. It was founded by Kenneth Lin in 2007. The company headquarters is based in San Francisco, California, USA. Credit Karma offers credit and financial management platform. The registration is free. It is available for PC, tablets, and mobile devices. The platform contains credit reports, daily credit monitoring, and credit scores from Equifax and TransUnion. Credit Karma also provides the following financial tools: Credit Score Simulator, Debt Payment Calculator, Simple Loan Calculator, and Home Affordability Calculator. The company helps customers to track credit cards, balances, and loan transactions through the Yodlee service.

Credit Karma reviews and complaints

Credit Karma is ranked 591 out of 5887 in Financial Services category

Area Served

USA, Worldwide, Asia, UK

Payment Methods

VISAMasterCardDiscover

Credit Karma FAQs

Rebecca A. Garland
PissedConsumer Reporter

Credit Karma FAQs

The Credit Karma update is available every 7 days. To find additional information regarding this matter, get in touch with the Credit Karma customer service manager at the following number: 833-675-0553.

If you decide not to use Credit Karma, you can close the account by following the next steps: login into your account, navigate to “Profile & Settings” in the upper right corner (if you use a mobile app, choose “Profile” from the menu or “Account” on a mobile web browser), and choose “Close my account” at the bottom. Click “Yes” on a pop-up screen to finish the actions.

An American multinational personal finance company, Credit Karma, belongs to Intuit Inc., a leading software company, that is well-known for such products as TurboTax, QuickBooks, and Mailchimp.

Credit Karma provides you free access to your credit scores, analyzes data, and gives you personalized recommendations for credit cards, loans, and other significant financial things.

Credit Karma is not a bank. It is known as a free credit and financial management platform. All banking services for Credit Karma accounts are provided by MVB Bank, Inc., Member FDIC.

Credit Karma does not directly handle unlocking your credit itself. The platform only provides you the ability to monitor your credit status. To unlock your credit, you have to apply to one of the credit bureaus (Equifax, Experian, or TransUnion) individually.

Credit Karma does not share information about whether it has 24-hour customer service. However, you can ask about this matter to the company manager by dialing the following telephone number: 833-675-0553. Or send a message to a virtual assistant by clicking on the “Chat with us” button in the lower right corner of the official company website.

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