This is how progress is made.
Get started with free access to your Equifax and TransUnion credit reports. We’ll analyze your data to give you personalized recommendations that can help you meet your money goals.
Image: How-It-Works_Image-1-Hero@2xHow it works.
Image: How-It-Works_Icon-1@4xYou sign up for free.
You sign up for free credit scores, giving you access to Equifax and TransUnion credit reports that you can check as often as you want.
Image: How-It-Works_Icon-2@4xWe’ll crunch the numbers.
We look at your credit profile and check for credit card, loan and insurance offers that could save you money. You can even see your Approval Odds1 before you apply.
Image: How-It-Works_Icon-3@4xYou make progress. We get paid.
When you’re approved for a product we recommend, we typically make a small commission for helping make the connection.
An app that always has your back.
Image: How-It-Works_App-Icon-1@4xWe check your TransUnion and Equifax credit reports daily and inform you of any major updates.
Image: How-It-Works_App-Icon-2@4xWith unlimited access to your credit reports, you can find and report errors early.
Image: How-It-Works_App-Icon-3@4xOur Approval Odds are based on real criteria that lenders actually use, allowing you to move and plan with more confidence.
Image: How-It-Works_Image-2@2xEasy-to-use tools to build your financial future.
Image: How-It-Works_Tools-Icon-1@4xApproval Odds
See your Approval Odds based on thousands of data points, 20+ score versions and the real criteria lenders use.
Image: How-It-Works_Tools-Icon-2@4xCredit Monitoring
Track your credit health with free scores and reports from TransUnion and Equifax, and get insights to understand your progress.
Image: How-It-Works_Tools-Icon-3@4xCashflow Clarity
Make your dollars make sense with easy-to-use tools designed to help you organize your finances and improve your spending habits.
Image: How-It-Works_Tools-Icon-4@4xID Monitoring and Direct Dispute
Get alerted when we find your information in another company’s data breach, and easily dispute credit report inaccuracies with Direct Dispute.
Image: How-It-Works_Tools-Icon-5@4xYour Go-To for Auto & Home
Get a road map for major financial milestones by learning the ins and outs of shopping for auto loans, insurance, and mortgages.
Image: How-It-Works_Tools-Icon-6@4xSeamless Tax Filing
File your taxes and track your refund directly through Credit Karma, powered by TurboTax, so you can file and secure your refund with ease.
Got questions? We’ve got answers.
Credit Karma operates with a “freemium” model that serves as a win-win for all parties involved. Members get access to their credit scores and reports for free. Credit Karma gets paid by the banks and lenders we work with. We analyze your data to recommend financial products, like credit cards and loans, that might be a good fit for you. If you apply for and are approved for one of those products, the bank or lender typically pays us a small commission for making the connection.
Credit Karma is a part of the Intuit family of companies, which also includes QuickBooks, Mailchimp and TurboTax. While Credit Karma is a part of Intuit, we operate as a distinct entity with our own brand and culture.
Credit Karma provides you with your credit reports and scores from two of the three major credit bureaus: Equifax and TransUnion.
It can be confusing to see different credit scores depending on where you look. This happens because you don’t have just one credit score—you actually have many. Each score provides a slightly different snapshot of your financial health. Here’s why your scores may vary:
- Different scoring models: Many scoring models exist, and lenders often use a specific one depending on the type of loan you’re applying for. For example, a lender may use a different scoring model for a car loan than they would for a mortgage. Credit Karma provides your VantageScore 3.0, which is used by many lenders. Other companies may provide a different score, like one of the many FICO scores.
- Different credit bureaus: Not all lenders report to all three major credit bureaus, so your credit reports can contain different information. Credit Karma provides you with your free credit reports and scores from TransUnion and Equifax.
- Timing: The information on your credit reports can change from month to month. Since lenders and creditors may report your information at different times, a score from one source might not reflect the most up-to-date information that another source has.
The most important thing is to focus on the health of your credit reports. Things like paying your bills on time and keeping your credit utilization low are core factors that build strong credit, no matter which score a lender uses.
Glad you asked! Credit Karma offers a suite of products and services beyond just credit scores and reports. These include:
- Credit monitoring
- Identity monitoring
- Cashflow and net worth tracking
- Direct Dispute
- Personalized recommendations
- Loan marketplaces
- Auto insurance comparisons
- Tax-filing services powered by TurboTax
Yes. Credit Karma offers full-service tax filing powered by TurboTax. All done in the same app, Credit Karma members will find a straightforward authentication process that links their existing account to TurboTax. When members opt in to sharing their data with TurboTax, Credit Karma gives members the benefit of creating an account quickly and easily.
To access TurboTax within the Credit Karma app, navigate to “Taxes and Income” from the three-line menu icon to find “Tools & resources.” Then click on “File taxes” for an embedded version of TurboTax. Signing into TurboTax through Credit Karma keeps you within the Credit Karma app the whole time.
Credit Karma and TurboTax — both owned by parent company Intuit — offer a variety of tools and features that can help you manage your taxes and overall financial picture.
Both companies can also help you access cash quickly during tax season.
TurboTax maximizes your refund2 with 100% accuracy guaranteed,3 and Credit Karma has the tools to help you take it further. Credit Karma members can get access to their tax refund up to five days early when they deposit it into their Credit Karma Money™ Spend account4 — no matter who prepares your taxes.
We’ll help you get the most out of your tax refund with personalized tips and guidance to show you the most efficient ways to turn your refund into real progress.
Join over 140 million members making progress their own way.
1 Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the financial product shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.
2 A combination of coverage: 100% Accurate Calculations, Maximum Refund, and Audit Support Guarantees. All guaranteed for the full 7-year life of your tax return. Individual returns only. See terms of service for details.
3 If you pay an IRS or state penalty (or interest) because of an error that a TurboTax tax expert or CPA made while providing topic-specific tax advice, a section review, or acting as a signed preparer for your return, we’ll pay you the penalty and interest. Limitations apply. See Terms of Service for details.
4 Credit Karma is not a bank. Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.