Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
pondtree

2 Contributions
0 People Helped
Why do you provide offers and recomendations that hurt your members?
I applied for a recommended card and was denied, now I have another hard hit to my report. Also the loan offers that come back have an interest rate in excess of 25%. You have all my information,how are your actions helpful.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Credit Karma Team
Top Contributor
2949 Contributions
4610 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Hi pondtree, 

Sorry for your frustration. We use the data available to us to make the best reccomendations for our members. Ultimately, approval is at the discrestion of the lender and they make take more information into consideration than we have available to us. The lenders are also responsible for setting the interest rates. While we provide you the best offers we can find, it is with the understanding that you may need to do further research to determine the best course of action for your financial situation. 

If you'd like additional ways to contact Credit Karma, feel free to visit our help center (help.creditkarma.com), send an email to support@creditkarma.com, or reach out on Facebook or Twitter. 

Reply by
pondtree

2 Contributions
0 People Helped
Helpful to 0 out of 1 people

Enter Your Reply  Thanks but your aswer is pretty lame. i think it's time to quit the farce. Please close my account, i will communicate directly with various companies and work directly with local providers.

Top Contributor
987 Contributions
546 People Helped

Helpful to 1 out of 1 people

Those "recommendations" are more or less an marketing schemes, CK doesn't dig into everyone's credit history before recommending the products. The odds of approval of same credit cards changes when I log back-in 5 mins later, lol. Bottom line, you need to know where your credit history stands and apply to the products base on it and not from some company trying to make money off you.

Reply by
pondtree

2 Contributions
0 People Helped

Enter Your Reply         Thanks for your timely reply. Can't help wondering why there is no way to contact CK directly??? Good lesson here... Again, thanks!

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.