Credit Karma – Review

March 24, 2009 by  
Filed under Product Reviews

Credit Karma – Review

This website has it — a free credit score.  No really.  I mean it.  A free credit score?  What’s the catch you say?  The company is hoping that consumers will upsell to other products such as credit cards and other goods and services once they have their free score.  A close look at the privacy policy suggests that the site will not sell your information, nor share it with others.

Having met the CEO and knowing his background, I believe that the company is looking out for consumers.  They know that other credit report companies are getting accused of blatantly selling off personal information, so they are trying their best to help consumers understand their situation.

Here’s what the product has around your credit score:

  • A credit score from Trans Union – not a FICO score, but hey it’s free
  • A credit snapshot showing how you compare to other Credit Karma users
  • Credit simulation – shows what if scenarios and what you should expect to have happen to your score

The second piece of the site is the product offers.  There are offers of all kinds including credit card companies, auto lenders and more.  Partners include ING Direct, Orchard Bank, Rudder, Discover Card and Quicken.

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2 Responses to “Credit Karma – Review”

  1. Thomas on March 26th, 2009 9:59 am

    Which credit score company do you feel is the most helpful when it comes to assisting individuals repair mistakes or help contact companies to remove blemishes on their credit report. ?

  2. VideoCreditScore-Andy on March 29th, 2009 12:58 pm

    There isn’t a single right company. Most repair can be done on your own but using educational sites like Even, the FTC says you can do this yourself. Sample letters are available in the credit resources section of

    If you do need outside help, my recommendation is to talk to a US Dept of Justice approved pre-bankruptcy credit counseling company. You can find these here at

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