Step 1: Sign up.
There are three steps in the Credit Karma sign-up process:
- Create your account. Here, you'll create your login information. Be sure to choose a secure password and a personal email address (instead of a work or school address that might be cancelled). As we may send emails regarding your credit situation, try not to choose an email address that you share with a spouse or other family member.
- Tell us who you are. In order to identify you with the credit bureau, we need you to provide some personal information, including your Social Security number. Please rest assured that we are committed to securing your data.
- Confirm your identity. Here, you'll be asked to answer a series of questions based on information on file with the credit bureaus. We use these questions to verify your identity.
When you've completed the sign-up process and your identity is verified, you'll be able to get your free credit scores--no credit card required.
Step 2: Get your free credit scores and credit reports.
Credit Karma provides several different ways to view your credit:
- Dashboard: Here, you'll see your score and how recently it was updated. When you log into your Credit Karma account, your score will automatically update if it's been more than seven days since your last update. All you have to do is log in to initiate this process.
- Credit Score Details: This is where you can view your VantageScore 3.0 credit scores, along with your Auto Insurance Score and Home Insurance Score. You can track your scores from the first month you become a Credit Karma member.
- Full Credit Report: Check your TransUnion and Equifax credit reports any time and update them up to once a week. Full credit reports come in an easy-to-understand format complete with educational blurbs and related reading.
- Credit Factors: Find more details about important factors that contribute to your credit score.
- Full Credit Reports: This feature allows you to simulate real-world financial actions to see how they may impact your credit score. You can see how a new loan might affect your credit, or how much your score would decrease with a few new hard inquiries on your credit report.
Remember that checking your credit score on Credit Karma will never hurt your credit, since it initiates a soft inquiry. Read more about hard and soft inquiries.
Step 3: Connect your accounts.
After you connect your accounts, Credit Karma can become a one-stop site to review your credit lines and bank accounts. As you'll be able to view both your financial accounts and credit scores in one place, it can give you a 360-degree view of your financial health. Not only can connecting your accounts allow you to be able to check your accounts in one place, but it'll also enable you to use other awesome features of the site, such as:
- My Spending: A tool that can track where your money is coming from and where it's going. Easily identify what you spend the most money on so you can work on your budget.
- Email alerts: If you're the forgetful type, Credit Karma has a variety of reminders that you can choose to be sent to you, such as bill reminders, low balance alerts and credit limit changes.
Step 4: Make moves to build your credit score.
With the help of Credit Karma, make choices to work on building your credit, whether it means opening a new credit card, refinancing a loan, disputing a credit report error or taking steps to lower your credit utilization rate.
Credit Karma and its tools will always be free, so use them as often as you like to update and monitor your credit. Also, keep in mind that we provide other tools that could help you work on your financial situation. Read credit card reviews before applying for a new card, use the Credit Advice Center to discuss questions about credit with the Credit Karma community, read through our articles for regularly updated information on credit and personal finance, and keep exploring our site--we're always adding cool new features.
Editorial Note: The editorial content on this site is not provided by the bank or issuer. Opinions expressed here are author's alone, not those of the bank or issuer, and have not been reviewed, approved or otherwise endorsed by the bank or issuer. Credit Karma may be compensated by companies mentioned 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.
Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.