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Has Credit Karma helped anyone improve their score?

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138 Contributions
510 People Helped

Raised 100 points

Helpful to 8 out of 9 people

I started using CK in May 2012 when I filed for Chap 7 BK.

My CK score at the time was around 518.

My most recent scores:

CK 613 (I've had lots of inquiries over the past couple months)

TU 705 per credit union Feb 2014

TU FICO 657 per walmart card April 2014

EX 625 per cap 1 April 2014

Credit Karma has been great helping me track and improve my credit.

1 Contribution
6 People Helped

Helped / Informed

Helpful to 6 out of 6 people

Yes! My credit has not improved yet, but I have a much better understanding about how my score is calculated. Knowing what affects my credit score (such as percentage of exteneded credit in use) enables me to make more informed decitions about improving my score. I combine common sense and critical judgement of the advice for money management.

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9 People Helped

Helpful to 9 out of 10 people

Their foundation is solid, but the site needs to improve on projections - they currently have me at a 712 Credit Score.  Just refinanced and bank advise I have 791 score - excellent versus good credit. The best advice they give is to pay bills timely and try to keep your credit utilization ratio lower.  Keep it simple with finance - spend less than you make. 

Top Contributor
73 Contributions
100 People Helped

Helpful to 43 out of 44 people

If you follow the advice they give and improve on the areas of your report card, sure.  Why wouldn't it?

They basically tell you where you as a consumer are lacking in your credit file and give you basic advice on ways to improve your score. 

If people can claim this site don't help them, then there just not applying the info they receive here.  You can lead a horse to water.. but you can't make him drink so..

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117 Contributions
868 People Helped
Helpful to 14 out of 16 people

Personally, I would use much caution before simply following the advice they offer in your personal credit section.

If I followed their advice, I would "save" money on my auto loan by paying less each month, but for 72 months rather than 36, at 6.6% instead of 5.6.  Hmmmmm

Next, I could also "save" by apping for a capital one card at 17.9% interest, instead of keepint the ones I have which are 9.9, 11.3 & 12.9.  That sounds like a hell of a deal!  (not)

If you follow the basic rules of keeping your credit card balances low, not applying for credit that you don't need, and keep an eye on your reports to be aware of any unknown charges on your cards & ID theft....then your reports will be looking great & in time, even any negative marks will age & fall off.

I get my credit information from a broad range of places.  Mostly from the myFICO forums, Suze Orman & Clark Howard.  Here...not so much.  CK even says my insurance score is just "medium".  I have full coverage w/geico...100/300k coverage, towing, loaner car, all the bells & whistles with a $250 deductible... $225 per 6/mo.   That sounds a lot better than MID to me!

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244 Contributions
455 People Helped
Helpful to 2 out of 3 people

they said I would save money balance transfering 3k from my navy fed 8.9 apr to a chase 15.9 apr card plus transfer fees after rewards.......right.....pass

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1 Person Helped

You can edit the details on your current cards, to show the correct interest rate.  That will help them in comparisons for savings.  The interest rates are not reported to them.

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22 People Helped
Helpful to 22 out of 23 people

You realize those are simply ads, not advice. There advice is in the articles. The ads are what makes their service free.

Word to the wise to all on this site, Credit Karma is GREAT for advice, but any time you apply for something via an ad on here, you are probably going to regret it because you are likely permissing a hard inquiry on your credit. Don't apply for more credit cards if you have a substantial number of inquiries already. If you have a CRAZY APR... then maybe do it if it can save you substantial $$, but that does not mean your credit will be helped. If you are loking for Cost/Benefit anaylsis help in the whole credit balance transfer idea, I'd suggest you use the "Snowballing" calculator on

Credit Karma can't help you save so much as they can help you hone in on the weak areas of your credit score. When you "Update" your credit score report on Credit Karma, it is a soft inquiry and will not hurt you.

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1 Person Helped
Helpful to 1 out of 1 people

100% Agree with Klien. One thing that Credit Karma adds in value is a constant, FREE snapshot of your score and accounts all the time and going with you anywhere. Before I got credit karma I was just doing my 1 free credit report per year and making decisions based on that. Now, my wife and I can always make informed decisions on purchases and other big decisions by just logging in and having a look.

The community (which you have discovered obviously) also adds considerable value because many people are asking the same questions you are.

CK simply makes information more readily available to you when before, at least in my case, it was not. If you use the info, it can help considerably. If not, its no different than NOT knowing.

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0 People Helped

And as I just found out, Credit Karma is NOT 100% accurate or even close, so even following the basic advice may not improve your score after all.

2 Contributions
10 People Helped

Helpful to 9 out of 9 people

To spare you the details I've steadily used this site to improve my Credit score. I've noticed this site uses Transunion so I went and initially targetting my Transunion Credit report. I saw that there were some aged items and had them removed by disputing it. Additionally I've noticed one of my credit card companies is not reporting my main credit card which has a 20K limit, so my usage appears to be unusually high so I'm now in the process to dispute the credit limit on that card and hopefully that will significantly improve my score. According to the simulator it should increase it approx 20 pts. I will start looking over my other credit reports as well to ensure those items are reported correctly.

I don't necessarily agree with some of the advice, e.g. taking out a car loan when my current one is 0.9% to a 6.9% loan and something from 36 months to 72 months to reduce my monthly payment by $200. If I was in a desperate situation and strapped for cash I could understand how that would help someone have more cash, but obviously that doesn't necessarily affect my credit since I can make my current payments and have my car paid off quicker with less interest.

Beware of the credit cards offers. CK is free because it allows these banks & insurance companies to advertise their products to users. For many people each additional line of credit that you add reduces your score immediately and can drop you from the category of Excellent into Good or Bad.. so avoid that especially right before applying for a mortgage.  Keeping fewer longer lines of credit is beneficial because your average age of line will go up. Making payments on time is obviously the number 1 factor that reduces credit scores, so don't miss your payments. Set up autopays wherever possible to avoid missing payments.

1 Contribution
7 People Helped

Helpful to 7 out of 7 people

This site must have ads to turn a profit as they don't charge us anything for use of the site. That one ad tab on this whole website aside, this website is wonderful and has loads of really great info. Thank you CreditKarma! 

5 Contributions
23 People Helped

Helpful to 20 out of 20 people

I had checked my score earlier last year and it was around 600, and now, with the advice and help and planning of credit karma, my score is around 725. 725 is the average by the way. I just used the most basic advice that CK has. And I am 23 and corrected mine within a year. Anyone can do it. Its how you apply yourself and your goals. I am still not satisfied with 725 either, I want over 800. 

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1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

What did you do? Just pay on time? Or did having and paying off credit cards work?

2 Contributions
20 People Helped

Helpful to 20 out of 22 people

I've gone from 600 to younger and don't have a huge credit history but I applied for my recommended cards and got em...just be smart with your credit! Remember, CREDIT CARDS AREn'T FREE MONEY!! it's the bank's money...not yours, and they charge tons to use it...just make sure you're getting the better end of the deal...if you're paying an annual fee then you'd better be making a killing in rewards!

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1 Contribution
3 People Helped
Helpful to 3 out of 3 people

Hello.  I am in the same boat as you.  I currently have a 601 and would like to raise it up to 780 (Gosh...that would be wonderful!!!).  I have credit card settlements on my history: ( wondering if I can still raise my credit as high as yours.  Any suggestions?  How did you do it?  Thanks, Crystal

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1 Contribution
1 Person Helped
Helpful to 1 out of 2 people

How can I raise my credit score if I already have a below 20% utilization (I pay off every month), and have a completely on-time report. My total credit limit is $10k; we also have student loans, mortgage, and 2 car loans. I am paying off 1 car loan this week, but have not seen any score increase in a long time, despite paying off all our credit card balances. My wife and I got new jobs this year and are making about $100k gross yearly income. She is stuck at 698, and I am stuck at 702.

4 Contributions
19 People Helped

Helpful to 13 out of 13 people

My wife and I enrolled in CK before buying a house and it significantly helped us with our scores. It's likely we received a better interest rate as a result, but regardless we were happy to see progress on our finances because of the site

Top Contributor
116 Contributions
372 People Helped

Helpful to 2 out of 2 people

 Yes, by following my information on a daily basis I was able to increase my credit score 50 points by seeing that I had 1 bill in collection.  I called Transunion and it took some time but they did see that iut was not my bill, but belonged to VA Fee Basis.  Yesterday they remove it from my account and my score went up 50 points. 

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