December 28th, 2012

Top Blog Posts of 2012

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It’s been another big year for the Credit Karma Blog! Just in case you missed them, here are some of our most popular posts from 2012. Enjoy!

Credit Scores

Our Pick: 4 Ways to Get a Better Credit Score Now

How to Woo Your Credit Score

3 More Things You Might Not Know About Credit Scores

What is a Good Credit Score? Part 1

Surprising Things That Can Change Your Credit Score

Don’t Fret Over Insurance Score

Credit Reports

Our Pick: 5 Steps to Cleaning Up Credit Report Errors

10 Basic Credit Report Questions & Answers

Personal Finance

Our Pick: 4 Ways You Could Be Hurting Your Credit

My Credit Is Terrible. Now What?

Curb Your Bad Habits, Improve Your Finances

Shopping Gimmicks That Make Us All Suckers

Three Bad Habits to Avoid When It Comes To Your Credit

4 Bad Boyfriends + 1 Awesome Fiancé = 5 Great Money Lessons

Credit Advice

Our Pick: I have an account in collections. What should I do?

5 Clever Ways to Improve Your Credit Health

How Long After Foreclosure or Bankruptcy Can I Get a Home Loan?

Credit Karma

Our Pick: Announcing Credit Karma Mobile- Free Credit Scores and Credit Monitoring

Is Credit Karma Safe?

Credit Report Card Break Down: Open Credit Card Utilization

Credit Report Card Break Down: Percent of On-Time Payments

Credit Report Card Break Down: Average Age of Open Credit Lines

Credit Finance and News

Our Pick: Bank of America Tests New Banking Fees

5 Reasons Why I Won’t Be Getting the New iPad

Credit Cards

Our Pick: Suze Orman’s Approved Card: A Prepaid Debit Card That Will Disrupt the Credit Industry… Maybe.

5 Tips for Picking the Right Rewards Credit Card

Citi Price Rewind- Save up to $250 on Holiday Shopping

Debit vs. Credit: When to Charge it


Our Pick: Review: Bluebird by American Express- A Better Prepaid Card

(American Express is a Credit Karma advertiser.)

Review: Wallaby Consolidates Your Credit Cards and Maximizes Your Rewards

Editorial Note: The editorial content on this site is not provided by the bank or issuer. Opinions expressed here are author’s alone, not those of the bank or issuer, and have not been reviewed, approved or otherwise endorsed by the bank or issuer. Credit Karma may be compensated by companies mentioned through advertising, affiliate programs or otherwise. It is this compensation that enables Credit Karma to provide its members with services like free access to your credit scores and free monitoring of credit and financial accounts at no charge.


Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. when a person like me comes here to do a credit check the very least you can do for this site is to give more details. (i.e. what accounts are open/closed what hard inquireies were made and by who and everything to do with that persons credit info. i find that this site gives me VERY LITTLE info on MY credit history. the things I NEED TO KNOW THIS SITE DONT TELL ME! AAAAAAAARRRRRRRRRGGGGGGGGHHHHHHHH! THAT IS SO INFURYATING! RRRRRRRRAAAAAAAARRRRRRRRRGGGGHHHH!

    Roberta Rogerson at 2:35 pm on January 1, 2013
  2. Hi, Roberta. We show you all of the information that we can from your TransUnion credit report. When you want to find out additional information, we highly recommend that you check your full TransUnion credit report regularly at In between these checks, keep your eye on your credit with Credit Karma. If you have any additional questions, please email us at

    bethy at 1:05 pm on January 2, 2013
  3. why is that my ontime payment percentage has slowed to a crawl.whe it was in the 80,s it jumped a point a that i have reached the 90’s it jumps about 1/3 point per this rate i will never fix my on time payment history.can someone please they not want us to fix our seems the only true help for poor credit, is more doesnt make sense

    kelly at 7:31 pm on January 2, 2013
  4. Jenna

    Hi Kelly, we get all of our information (including scores) from directly from TransUnion. If something’s wrong, we’d recommend checking your full TransUnion report at

    Jenna at 12:27 pm on January 3, 2013
  5. info not up to date transunion shows different info how can you use this web site when info not up to date…. the only way to contact them is by e-mail no phone i guess they are scared of live chat…

    adam at 1:30 pm on September 15, 2013
  6. Jenna

    Adam, as we serve over 17 million members, live chat is just not feasible. Please be rest assured that we have live member support representatives reading and answering each member inquiry.

    Jenna at 8:26 am on September 16, 2013
  7. I applied for a Barclay card at the referral of Credit Karma stating that this was a good deal for me to do a balance transfer. The offer was 18 months NO interest with a 3% transfer fee. GREAT Deal!!! But when I received the card it was not 18 months NO interest, it was 24.99% with a 3% transfer fee. That is what I am paying now. Why would I transfer my balance and incur another 3%. I am very disappointed with the whole process, now I have a lower score and a credit card I don’t need. False Advertising!!

    Thanks Credit Karma!!

    Bree at 6:38 am on February 17, 2015
  8. Mike

    Hi Bree – If the terms of the offer don’t match what was advertised, I’d recommend getting in touch with Barclaycard directly about this matter. Thanks!

    Mike at 9:13 am on February 17, 2015
  9. I think the “matrix” of how each and every credit scoring system should HAVE to be published and accessible to every consumer. Also, it should be mandated that improper and incorrect info be REMOVED until disputed PROPERLY. Investigations should NOT be calling the offending bank, cc company, or merchant who placed incorrect info to the CRA in the first place. There should be MAJOR penalties for violators who damage and do financial harm to consumers just as there are available remedies for the Banks, CC companies, and merchants who basically OWN the CRA’s and use them to “raise rates” by improperly lowering scores. Let’s cut out the “usury” and EVEN the ‘playing field’!

    irvin at 12:56 am on March 3, 2015
  10. Credit Karma is one of the best tools out there for consumers. A Great deal of information available and ‘free’ to consumers. Additionally Trans Union is the best of the worst(CRA’s) although FAR from perfect.

    irvin at 12:59 am on March 3, 2015

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