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How Credit Karma Works

A lot of people ask us how Credit Karma works and if it's really free. So we thought we'd take a moment to explain.

See for yourself

Our business model is actually pretty simple.

( And, yes, it really is free. )

You get your scores and reports

You get access to your credit scores and reports from TransUnion and Equifax, with weekly updates.

We make recommendations

We use our love of data to analyze your credit profile and make product recommendations that could help you save money.

We get paid by the bank or lender

If you get a product through one of our recommendations, the bank or lender pays us.

Our business model works because everyone can benefit.

If you're like most of us, you probably receive tons of credit offers in the mail. But how often are they actually a good fit for you?

Here at Credit Karma, we want our offers to provide value to you – whether it's savings, rewards or debt relief – and we choose financial partners that share our mission. If we do our job well, you save some money, we make some money and banks turn away fewer customers. Everyone wins.

Credit Karma members benefit from other free features, too!

Free Credit Monitoring

We'll send you credit alerts if anything important changes on your TransUnion credit report. That can help you spot identity theft.

Tools and Education

From financial calculators to educational articles, we're here to help you better understand what credit is all about.

Member Reviews

We feature thousands of member reviews on credit cards, loans and more – so you can make a more informed decision.

See for yourself
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© 2007–2021 Credit Karma, LLC. Credit Karma® is a registered trademark of Credit Karma, LLC. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Licenses | NMLS Consumer Access
Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access
California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.
Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).
Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, LLC. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.
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