March 10th, 2008
Welcome to the Credit Karma Blog
Credit Karma was created to empower consumers by demystifying the credit landscape and providing consumers a unique way to benefit from that knowledge. Our service is free to consumers. No credit card is required and no strings are attached.
Our services are sponsored by our partners and advertisers who help pay for the credit scores. With that said, Credit Karma adheres to a very strict privacy policy . We will never sell your personally identifiable information, send spam, or share your information without your explicit consent.
The purpose of this blog is to share trends we are seeing in the credit and credit related industries. We hope to facilitate intelligent discussions, answer common questions, and provide articles that inform and educate.
Just by scanning some of the existing blogs and discussion forums, we can see there is enthusiasm, confusion, and skepticism about both Credit Karma and credit scores. We would like to start a dialog with our users via this blog to address their concerns. Please post any questions or comments in the comments section and we will attempt to address as many user questions as possible.
Thank you for your early support of Credit Karma. We have some really innovative and useful tools in the product roadmap.
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Great idea and great site guys. Really love the ability to get my credit score whenever I want!!
Not sure you’ve nailed it on the offers though. Seems like the home page offers and my offers are the same. Is there really any level of personalization in these offers?
How is the credit score calculated? I can see by the inquiry that you’re using Transunion, but my score differs from the one that TU provides.
Thanks. Nice site.
I am a 45 year old female who has had bad credit all my life and am even into the payday loan cycle. I have recently went back to school to get a btter education and I want to clean up my credit and live like a normal person and hold my head up.
Where do I start? My score is a whopping 450 and I am in so much debt it scares me ($20,000.00)
Was unable to sign up. Checked info and all match EX info. Suggestions, or phone number to resolve?
A very interesting principle… I’m not sure who your users will feel giving their information to you but this system has huge promise.
From a security perspective, how are you protecting your users data? Is it stored in your databases or is it using some sort of hosted-security model (like PassPack)?
What can I do to improve my credit score?
A question, please. I am a retired teacher and read about you in the May/June issue of American Teacher magazine. You provided me a score on 5/6, and I just wish to confirm that you are, indeed, a FREE source to get one’s credit score as stated in the article. I don’t want to find myself locked into a contract with Credit Karma requiring any payments.
Please advise.
Thank you.
We are 100% free. You can check your score as often as once per day without worrying about hidden fees. As a matter of fact, we never asked for your credit card number.