In The News

Credit Scores: Why Aren't They Free?

Credit Scores: Why Aren't They Free?

The Wall Street Journal, 2013-03-22

In one of the more frustrating headaches in financial disclosure, you generally must pay to see your credit score--the three-digit grade that predicts how risky you are as a borrower. But there are some sites who do give you your score for free.

Credit Karma for Android

Credit Karma for Android

Lifehacker, 2013-03-18

We've mentioned Credit Karma's free credit monitoring services and free monthly credit scores in the past, but now you can get all of their free financial services on the go, thanks to their new Android app.

Credit Card Debt Drops 11%

Credit Card Debt Drops 11%

CNNMoney, 2013-01-17

Consumers whacked down credit card debt last year, and average debt loads dropped in every state.The decline came as weak consumer confidence kept spending in check and banks continued to tighten their lending and slash credit limits for many existing customers, said Ken Lin, CEO of Credit Karma.

Money Fix: Financial New Year's Resolutions

Money Fix: Financial New Year's Resolutions

Newsday, 2012-12-20

Many consumers are considering financial resolutions in 2013. Most vow to save more, spend less and pay off debt. What's on your list? Better still, what should be on it?

Five Ways To Improve Your Credit Score

Five Ways To Improve Your Credit Score

Examiner.com, 2012-12-20

What is your credit score? It's a simple question, but almost half of all Americans don't know their credit score. In addition to not knowing their credit score, most Americans do not know how their credit score is calculated, or what factors affect their scores.

College Loans Up in S. Fla with Some Struggling to Pay

College Loans Up in S. Fla with Some Struggling to Pay

South Florida Sun-Sentinel, 2012-11-26

Florida Governor Rick Scott called on administrators in the Florida College System to help make college affordable by sponsoring degree programs that cost $10,000 or less. But for those already with hefty student loans, South Florida's income drop has made it harder for many with student loans to pay them back, said Amy Leone, the public relations coordinator for Credit Karma, the consumer website that surveyed average college loan balances across the nation

Credit Cards For Stay-at-Home Spouses

Credit Cards For Stay-at-Home Spouses

Pittsburgh Post-Gazette, 2012-11-16

Ken Lin, CEO of Credit Karma in San Francisco, Calif., said in an age where about half of all marriages end in divorce, it is important for both spouses to have access to credit. "Even if things are great today, if a couple gets divorced, one of them could very easily be in a situation with no credit and they can't even rent an apartment, because in most cases landlords do credit checks," Mr. Lin said.

The Surprising (and Some Not So Surprising) Credit Habits of the Top 25%

The Surprising (and Some Not So Surprising) Credit Habits of the Top 25%

Forbes, 2012-11-07

We often hear about "the top 1%" in wealth and income, but although many of us may never achieve that status, how about aiming to at least be in the top 25%? Specifically, I'm referring to those with a credit score over 785, placing them in the top 25% of credit scores.

5 Ways the Student Loan Bubble Mirrors the Housing Crisis

5 Ways the Student Loan Bubble Mirrors the Housing Crisis

Fiscal Times, 2012-10-25

Good Intentions Gone Bad. Society puts a high value on the two objectives - education and home ownership. "A college education is a path to life success just like home ownership is a path to financial stability. In reality, some people aren't suited for it," says Ken Lin, founder and CEO of educational website, CreditKarma.com.

7 Steps to a Higher Credit Limit

7 Steps to a Higher Credit Limit

TIME Monyland, 2012-10-12

As the holiday marketing machine cranks into gear, more of us will start contemplating the upcoming season’s spending and our credit limits. “Most credit card companies will automatically review your credit after about six months or so of card membership,” says Ken Lin, CEO of CreditKarma.com.

Local Company Allows Consumers to Access Credit Scores for Free

Local Company Allows Consumers to Access Credit Scores for Free

ABC 7 San Francisco, 2012-09-26

San Francisco-based Credit Karma believes consumers shouldn't have to pay for their own credit scores, "We're a completely free site that allows consumers to track and monitor their credit all online and all for free," said Credit Karma CEO Kenneth Lin.

10 Common Credit Myths That Could Be Costing You Money

10 Common Credit Myths That Could Be Costing You Money

Forbes, 2012-09-26

Closing a card can help your score if you have too much credit available. To see if this is the case for you, you can see the effect of closing a card and other actions on your score at sites like Credit Karma.

Get Reliable Credit Card Info Without Being Roped Into Useless Add-Ons

Get Reliable Credit Card Info Without Being Roped Into Useless Add-Ons

Business Insider, 2012-09-26

According to the Consumer Financial Bureau more than 3.5 million card members, were sold payment protection, credit tracking and identity theft services without its their consent. Credit Karma gives tips to avoid a similar headache and how to safeguard your wallet.

Banks Giving Risky Loans to Strapped Consumers

Banks Giving Risky Loans to Strapped Consumers

New York Post, 2012-09-15

American consumers rarely have been such a bad bet. With unemployment up and salaries down, credit worthiness has plummeted. Nearly half of American households have credit ratings that are high risk, according to Credit Karma, and the average credit score has dropped more than 20 points in the past three years.

The Return of the No-Interest Credit Card

The Return of the No-Interest Credit Card

MarketWatch, 2012-09-04

If you’ve got a good or improving credit history now is the time to scout out lower-interest credit cards that could save you hundreds of dollars annually. “It’s a buyer’s market for credit-card consumers now,” said Ken Lin, chief executive of CreditKarma.com, which develops free credit tools for consumers.

Inc. 5000 List

Inc. 5000 List

Inc. Magazine, 2012-08-28

Credit Karma makes Inc. Magazine's Top 5000 List of fastest growing private companies in America.

Off to College? Avoid These Financial Pitfalls

Off to College? Avoid These Financial Pitfalls

Lifehacker, 2012-08-23

Despite the fact that there is a government website, AnnualCreditReport.gov, where you can get your credit report for free once a year and legitimate sites like CreditKarma.com where you can get your credit score for free (with no "trial period"), lots of people still sign up for these credit monitoring services.

How Not To Open A New Credit Card

How Not To Open A New Credit Card

CBS Moneywatch, 2012-08-06

CreditKarma CEO Kenneth Lin recommends that consumers open new accounts over the Internet, taking and saving screen-shots of exactly what products they are applying for. Unless a call is recorded, applying over the phone leaves consumers without proof of what happened during the transaction.

Credit Karma's New Credit Monitoring App For iOS Shoots Up App Store Charts

Credit Karma's New Credit Monitoring App For iOS Shoots Up App Store Charts

TechCrunch, 2012-07-19

Credit Karma, the online credit monitoring service backed by $3 million from SV Angel, Founders Fund and others, has shot up to become the #1 Financial app in the Apple App Store and #22 overall, only a day after its mobile debut. Like its online counterpart, Credit Karma Mobile brings credit monitoring to your iOS device, and notifies you when certain events are reported on your credit report.

Free Credit Score App Launched

Free Credit Score App Launched

WUSA 9NEWS NOW, 2012-07-18

A new smartphone app debuted Wednesday from CreditKarma.com. It can be found in the Apple App store for iPhones and iPads. The app is the first and only way to get a free credit score and free credit monitoring on-the-go

Personal Finance: Tips As You Get Ready To Take Off

Personal Finance: Tips As You Get Ready To Take Off

Sacramento Bee, 2012-07-01

Weed out the wallet, says Ken Lin, CEO of consumer website CreditKarma.com in San Francisco. You don't need your Macy's card while hiking in the Sierra. Same for your Social Security card, library card, gym membership or anything with personal information that can "encourage identity theft or access to your life."

Holds On Debit Cards Can Derail Travel Plan Of Spending Wisely

Holds On Debit Cards Can Derail Travel Plan Of Spending Wisely

USA Today, 2012-06-27

Experts say if you're going to take a debit card on vacation, change the red flag alerts to a lower amount to deal with the possibility of fraud. Ken Lin, CEO at CreditKarma.com, said in general it's better to travel with a credit card.

Americans Still Relying On Credit Cards To Get By

Americans Still Relying On Credit Cards To Get By

CNNMoney, 2012-05-22

A similar report by credit card tracking site CreditKarma.com that included data from more than 300,000 consumers of all income levels found that the average credit card balance for 2011 was $6,576, down from $7,404 a year earlier.

California Mortgage, Consumer Debt Drops

California Mortgage, Consumer Debt Drops

Los Angeles Business, 2012-05-16

The average Californian owes less in credit card and mortgage debt than they did last year, according to a new report, but credit scores still dropped a little.

Yes, You Actually Can Get Your Credit Score For Free (Here's How)

Yes, You Actually Can Get Your Credit Score For Free (Here's How)

Business Insider, 2012-05-16

Now that you know why a credit score might be useful, don't pay for something you can get for free: I recommend using CreditKarma.com — signing up on their secure form took me only a minute, and within a few clicks I had access to my actual credit score

It's Raining Credit-Again

It's Raining Credit-Again

Wall Street Journal, 2012-05-04

You can go for those bonus miles and cash-back cards, but not all at the same time. One inquiry for new credit can knock as much as 25 points off a very high score, says Kenneth Lin, CEO of Credit Karma. Even so, the ding from a single new account isn't likely to change the interest rates you'll pay.

The Dangers of Credit Card-Linked Discount Offers

The Dangers of Credit Card-Linked Discount Offers

Kiplinger, 2012-04-26

When consumers pay with their cards, they'll be offered discounts at the store where they're shopping or at other stores. There's no actual coupon -- consumers just have to pay with their card at the designated store within a certain time frame to automatically get the deal, says Ken Lin, CEO of Credit Karma, which provides credit scores and credit-card reviews.

A better free credit score service

A better free credit score service

CBS Money Watch, 2012-04-26

So imagine my skepticism when I stumbled upon CreditKarma.com. What I learned, however, is that this site provides far more than your credit score and really is "free" to the user.

Using Your Tax Refund

Using Your Tax Refund

CBS News, 2012-04-23

The average household has nearly $6,000 in credit card debt, more than $15,000 in auto loans and $29,500 in student loan debt, according to CreditKarma.com. That refund could make a significant dent in a debt with a high interest rate, giving you a little breathing room on monthly payments going forward.

Four Money Habits You Need To Ditch Now

Four Money Habits You Need To Ditch Now

Huffington Post, 2012-04-19

Credit Karma allows you to view your credit score for free. A healthy credit score is above 650, and an exemplary score is over 700.

What Every Prospective Homeowner Should Know

What Every Prospective Homeowner Should Know

Forbes, 2012-04-03

Once you’ve decided to buy, you’ll want to do what you can to improve your credit. That’s because it’s one of the biggest factors in determining your future mortgage interest rate that you have some control over.

Why we need free credit scores now

Why we need free credit scores now

MSN Money, 2012-03-23

It's no exaggeration to say your credit score can change your life. It can determine whether you get a job or own a home. It affects how much you pay for insurance. It influences how much you pay when you borrow, which determines how long it will take to become debt-free.

What Blue States Can Teach Red States About Good Credit

What Blue States Can Teach Red States About Good Credit

AOL DailyFinance, 2012-03-19

That's what the folks at CreditKarma.com figured out after examining credit data from TransUnion, one of the three major credit bureaus. Comparing credit scores state-by-state, they found that the average score in blue states is 667 -- 16 points higher than the 651 average in red states.

The Best Web Tools to Solve Your Credit Issues

The Best Web Tools to Solve Your Credit Issues

MainStreet, 2012-03-15

Plenty of websites help customers compare one credit card to another, but many of these sites also feature tools that help consumers solve other major credit problems. Here are a few of our favorites.

4 Things We Bet You Didn't Know About How Taxes Affect Your Credit

4 Things We Bet You Didn't Know About How Taxes Affect Your Credit

Business Insider, 2012-03-07

Since credit debt isn't exactly considered an income-booster, it's no wonder so many consumers forget how closely credit and taxes are intertwined. For insight into the little-known ways taxes and credit go hand in hand, we tapped Ken Lin, CEO of CreditKarma.com.

Forty Under 40: Kenneth Lin

Forty Under 40: Kenneth Lin

San Francisco Business Times, 2012-02-24

"I’m passionate about managing by results and data. As such, I spend half my day reviewing metrics. I analyze trends and look for areas of success and failure. I strongly believe that data is a driving force in the success of most companies."

5 Credit Facts Every Couple Should Know

5 Credit Facts Every Couple Should Know

TIME Moneyland, 2012-02-13

According to website CreditKarma.com, “Your bank and credit card accounts won’t merge once you’re married. But keep in mind that if you open a joint credit card, the account activity will be shared on both of your credit reports.”

Middle-Aged Workers Flock Back to School ... and Student Loans

Middle-Aged Workers Flock Back to School ... and Student Loans

AOL DailyFinance, 2012-01-27

These fresh-faced grads are being joined by an ever-growing cadre of returning students. According to credit score tracking site CreditKarma, the number of 35- to 49-year-olds who are borrowing money for college increased by 47% in the last three years.

4 reasons to use credit cards versus debit cards

4 reasons to use credit cards versus debit cards

CBS Money Watch, 2012-01-26

Responsible use of credit cards is one of the most effective ways to build a good credit record. Consumers who don't own a credit card have average credit scores that are lower as compared to folks with at least one card, according to Credit Karma, a consumer website that provides free credit scores.

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Content in Credit Karma articles is for entertainment and information purposes only. The opinions expressed in the articles are those of the authors themselves, and not necessarily Credit Karma or its affiliates. However, Credit Karma may be compensated by companies mentioned in Credit Karma articles through advertising, affiliate programs or otherwise. It is this compensation that enables Credit Karma to provide its members with services like free access to your credit scores and free monitoring of credit and financial accounts at no charge.