January 3rd, 2012

Free Credit Monitoring: Your 2012 Identity Protection Plan

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free credit monitoring

We’ve done it again. On the heels of our latest free feature, My Accounts, we’re now offering our best product yet: Free Credit Monitoring.

Using Credit Karma to manage your credit health just got easier with Free Credit Monitoring, which proactively monitors your TransUnion credit report every day and notifies you of significant changes to your report.

It’s a great way to stay on top of what’s happening with your credit and protect your identity from fraudulent accounts.

Here’s how it works:

  • Sign up for a free Credit Karma account and opt-in to Free Credit Monitoring. If you’re already a member, simply edit your Credit Monitoring Preferences in the “My Profile” section by checking the box “Notify me about important changes on my credit report.”
  • Credit Karma monitors your credit report on a daily basis.
  • If an important change occurs in your credit report, such as new credit inquiries, new credit accounts, delinquent payments, improved payment history, new public records or updates to personal information, Credit Karma sends an email to your inbox to notify you of the change.
  • Sign into Credit Karma to see the details of the notification.

Monitoring your credit with Credit Karma is completely free, just like the rest of Credit Karma. There are no trial subscriptions or monthly fees. Some people pay up to $180 each year to monitor their credit, but Credit Karma provides it free of charge. Sign up for truly free credit monitoring, and you’ll be on your way to better credit health!

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. Great resource! Thanks for putting it all in one place

    Loan at 7:23 am on January 4, 2012
  2. These will all still be soft hits that won’t affect our credit score, right?

    Kerrick Long at 6:26 pm on January 4, 2012
  3. whats the steps to monitor…. unable to find out credit monitor page…. help

    help at 7:12 am on January 8, 2012
  4. Hi! Once you’ve created an account, go to “My Profile” and select “Credit Monitoring Preferences” on the left-hand side. Make sure the box marked “Notify me about important changes on my credit report.” is checked and then click “update.” Now you’re enrolled in free credit monitoring!

    bethy at 9:48 am on January 9, 2012
  5. Do you notify a member in any way if suspicious activity is seen, opening an account in someone’s name, etc..Send a text message or email..

    Tony Adams at 5:42 am on January 13, 2012
  6. You’ll receive an email if there’s a hard inquiry on your account, whether it was initiated by you (meaning you’ll be expecting it) or if it’s initiated by someone else (meaning someone may be attempting to open an account in your name. And you’ll be notified via email when a new account appears on your credit report. If it’s not one that your recognized that you opened, you should definitely investigate.

    bethy at 9:22 am on January 13, 2012
  7. Kerrick asks the most important question of all. Will your credit monitoring activity act as an inquiry? Soft? Hard? No inquiry? Will it affect credit scores in any way?

    Clark at 11:49 am on February 24, 2012
  8. That is a good question. Thankfully, no. None of your activity on Credit Karma ever affects your credit scores, credit monitoring included.

    bethy at 9:39 am on February 27, 2012
  9. Yeah it said my scored dropped, but it won’t tell me why? Where do I find that out at?

    jeanne at 8:46 am on February 29, 2012
  10. Take a look at your Credit Report Card to see what might have changed in your credit profile. If you want more details, you can get your credit report for free at AnnualCreditReport.com.

    bethy at 12:02 pm on February 29, 2012
  11. Hi I was wondering if it’s possible to see exactly what accounts are being reported on my credit rather than just a total amount? I did get an alert that my balance went up but I don’t owe anything so I’m wondering why

    Constance at 7:46 am on April 16, 2012
  12. You can see a list of your current credit and loan accounts in the My Accounts section: https://www.creditkarma.com/accounts/creditcards/

    bethy at 9:50 am on April 16, 2012
  13. Would you recommend signing up for a service like Experia, I am currently paying the monthly payment and not really utilizing their services. I can’t help but think there’s a better solution.

    Online at 4:42 pm on July 16, 2012
  14. It’s a shame you don’t have a donate button! I’d without a doubt donate to this brilliant blog! I guess for now i’ll
    settle for bookmarking and adding your RSS feed to my Google account.

    I look forward to fresh updates and will share this blog with my Facebook group.
    Talk soon!

    loan insant at 7:38 pm on September 12, 2012

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