Truly Free Credit Scores
Check your credit score as often as you like for free, from anywhere. You'll see how your credit score ranks in relation to other consumers, and how much it has changed since your last update.
On-The-Go Credit Monitoring
Free credit monitoring alerts can help protect your identity and credit. You'll be notified immediately and can take quick action if something important changes in your credit report, such as:
- New credit inquiries
- Delinquent payments
- New public records
- New credit accounts
- Improved payment history
- Updates to personal information
Free Credit Report Card
Receive an easy-to-understand grade for each factor contributing to your credit score health with the totally free credit report card. See how each of these factor is affecting your credit score.
Credit Karma Mobile — Free Credit Score & Credit Monitoring is the first app to offer truly free credit scores and free credit monitoring. Current members can enjoy many Credit Karma functions of Credit Karma on-the-go. New to Credit Karma? Join in-app with an easy. 2-minute signup.
What is a Good Credit Score?
Use Credit Karma Mobile to monitor and track your credit score progress. A good credit score is crucial for financial success. A credit score is a three digit number calculated from your data-rich credit report and is one factor used by lenders to determine your creditworthiness for a mortgage, loan or credit card. Your score can affect whether or not you are approved as well as what interest rate you are charged. A good credit score is generally considered to be 720 or higher. Lenders, however, can each have different standards for what they consider to be a good credit score, so it’s important to keep building your score to receive the most favorable interest rates and highest rates of credit approval.
Consumers should know where their credit score stands before they apply for credit so they can build their score and better their chances for approval. Credit Karma offers members a free credit score that can be updated as often as every day, with no hidden fees and always for free.
If you don’t have a good credit score yet, consider taking time to build your credit score before applying for any new credit accounts. Improving your score first can help you save hundreds — or even thousands — of dollars in interest on a mortgage or loan.
Get Your Free Credit Report Card
Once you know where your credit score stands, use Credit Karma's Free Credit Report Card to identify areas to improve, and continue to track it over time. The Credit Report Card is an easy-to-understand summary of your credit report details. With Credit Karma Mobile, you can keep track of the factors influencing your credit score with your Credit Report Card, which includes.
- Open credit utilization rate
- Average age of open credit lines
- Hard credit inquiries
- Percent of on-time payments
- Total accounts
- Derogatory marks
See how each of these factors is affecting your credit score.
Get Free On-The-Go Credit Monitoring
Credit Karma Mobile is the first app to provide free, on-the-go credit monitoring. Credit monitoring can help prevent identity theft and inaccurate information from appearing on your credit report.
Credit monitoring is a free service that tracks your credit report on a daily basis and notifies you of any significant changes on your report with an app alert. Since the credit monitoring service will notify a consumer any time a new account is opened in their name, many consumers use credit monitoring as a means of preventing identity theft. In addition, credit monitoring can help you identify errors on your credit report. Most notably, credit monitoring will notify a consumer of derogatory reports such as a delinquency from a creditor. These derogatory reports can often hurt a credit score for years. Tracking them is crucial to building a good credit score.
Historically, credit monitoring services have been expensive. Many charge $10–30 per month. Credit Karma offers credit monitoring for free. Our service is powered by TransUnion, one of the three major credit report agencies. Credit Karma leverages an advertising model, meaning that advertisers pay for the credit monitoring service, so consumers are never charged. We don’t require a credit card and there are never any hidden obligations.
Credit Karma™ Believes All Consumenrs should Have Access to Free Credit Scores
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.