Credit Report Summaries
Credit Score Comparisons & Tools
No Hidden Fees & Always Free
Always Free Credit Scores
Get your 100% free credit score instantly, securely, and safely.
Credit Karma™ provides truly free credit
scores to consumers direct from the credit
bureaus. Your scores are retrieved securely
with no hidden fees.
Track & Optimize Your Score
Monitor your credit score over time and learn ways to optimize your credit.
Track your credit score, credit attributes, and
debt from a single source. Use interactive tools
and simulators to learn how to optimize your credit.
Credit Report Cards
Use the credit report card to compare and
learn more about your credit report.
Compare your credit report to others. See how the various items on your credit report affect
your credit score. Completely free.
Credit Karma™ Believes All Consumers Should Have Access to Free Credit Scores
A credit score is one of the most important components of a consumer's financial profile. At Credit Karma™, we believe free access to one's credit score and report is a fundamental consumer right. That is why our site allows consumers to access their credit score anytime they want for free without the sneaky "free" trials or subscription requirements. In addition to free credit scores, Credit Karma™ has a wealth of tools and content to help consumers better understand how credit scores and credit reports work.
Credit Karma™ is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, our goal is to empower consumers to more actively manage their credit and their financial health.
How Credit Karma™ Works
Credit Karma™ is always free and will never charge for access to credit scores or its interactive tools. Credit Karma™ works by selling advertising on the site and using those advertising revenues to pay for the credit score costs. Rest assured, Credit Karma™ NEVER sells or shares your private information as part of our strong belief in consumer advocacy. View what others are saying about us in the press.