6th December 2019


Is Credit Karma a legitimate company?

Yes, Credit Karma is safe. Not only is Credit Karma a real website with a solid reputation, but its services are also free to consumers, with no credit card required. Besides, the word “scam” connotes fraudulence, deception and financial swindling – none of which Credit Karma directly or intentionally partakes in.

Simply so, is it bad to check your credit score on credit karma?

Myth #2: Checking your own credit hurts your score. When you request copies of your credit report from AnnualCreditReport.com or get your free credit score on a site like Credit Karma, a credit request is being made on your behalf. This is called a soft inquiry, and it won't affect your credit at all.

Is my credit score from Credit Karma correct?

FICO creates a score by looking at your file from the three major credit reporting bureaus – TransUnion, Equifax and Experian. One of its features, according to Credit Karma, is that it scores up to 30 million more people than other models and can score people with little credit history, known as a “thin” credit file.
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