Your Credit Score Should
Be Free–and Now It Is.

  • Get Your Absolutely Free Credit Score
  • Stay on Top of All of Your Accounts in One Place
  • No Trials. No Credit Cards. Truly Free
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Checking your own score does not
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Credit Karma gives you access to all of your financial information — bank accounts, credit cards, bills, mortgages, loans, and, of course, your credit scores — all in one location, all under one account, all for FREE.

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Truly Free Credit Scores

Get your 100% free credit score instantly, securely and safely. Always free. No credit card required.

Free Credit Monitoring

Receive daily notifications of important changes to your credit report. Credit monitoring can help protect your credit.

Free Credit Reports

Access your full credit report anytime. See complete details, print a copy for your records and update every week.

Reviews & Advice

Get credit-smart with reviews and advice from more than 20 million Credit Karma members.

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Credit Karma Gives You The Tools You Need For Better Credit Health

Get Your Free Credit Score

Credit Karma believes that every consumer has a right to access their free credit scores. You'll get four credit scores along with free credit tools to help you better understand what a good credit score is. Even better, you'll receive your free credit score without a credit card.

Dig Into Your Credit Factors

Review an easy-to-understand summary of your credit report details. See how you compare on six key factors that commonly impact your credit health.

Enroll in Free Credit Monitoring

Credit monitoring can help prevent identity theft and inaccurate information from appearing on your credit report. You'll receive an email when something important changes in your credit report. Monitor your credit report daily for free with Credit Karma.

Gain Insight into Your Credit Report

See your full TransUnion credit report whenever you want. With Credit Karma, you can view the details of your credit cards, mortgages, auto loans and personal loans. Updating your report once a week can help you spot fraudulent accounts, maintain records and understand what steps you can take next.

Receive Savings Recommendations Based on Your Credit Score

Get specialized recommendations for products that fit your credit profile. If you have good credit, we'll give you suggestions for credit cards for good credit before you apply for a credit card. If you have poor credit, we'll help you figure out how to improve your credit. We'll also suggest balance transfer credit cards to help you pay back your credit card debt. You'll receive the best credit card and loan recommendations for your specific credit rating.

Simulate Your New Credit Score

Credit Karma also offers the Credit Score Simulator, which shows you how certain financial actions might affect your credit score over time. See how a bankruptcy, late payment, tax lien and more could affect your credit score.

Read Consumer Financial Reviews

Want to apply for a credit card? Before you make your decision, read credit card reviews to see which cards are recommended by other consumers. See mortgage reviews, auto loan reviews, auto insurance reviews, banking reviews, home equity reviews, credit union reviews and life insurance reviews. You can also write a review to help others make financial decisions.

Credit Karma™ Believes All Consumers Should Have Access to Free Credit Scores

Get Started Now

Checking your own score does not
hurt your credit. Learn More

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.