March 30th, 2012

Is Credit Karma Safe?

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Here at Credit Karma, we are committed to securing your data by treating it as if it were our own.

We recognize that consumers are concerned about their safety and the safety of their personal information, which is why we take every measure to ensure security.

Here are five reasons why Credit Karma is safe to use and how it can actually help protect your identity.

Serious security precautions

Every inch of Credit Karma’s secure data center is monitored by trained security personnel around the clock. Several layers of authentication are required just to get in the front door, not to mention actually seeing a server on the PCI-DSS and SAS-70 Type II certified data center floor. We use bank-level encryption and industry-standard information security practices to secure our data. Our security standards have stood up to audits by some of the nation’s biggest banks and credit bureaus.

No account information displayed

When you successfully create an account with Credit Karma, you’ll get your free credit scores, see the factors that influence them, receive personalized savings recommendations, see information on your various credit lines, and more. One thing you won’t see, however, is your account numbers.

In the My Accounts tab, you can view your different credit lines and see how they’re contributing to your overall credit portfolio, but you’ll never see the account numbers because we don’t have them. The credit bureau only shows us a small part of your account number and we scrub that even further, down to only a few digits. This security feature adds an extra layer of protection to your financial accounts.

Automatic log-off

After a period of inactivity on your logged-in Credit Karma session, you’ll be automatically logged out. While we don’t recommend using public Wi Fi hotspots or shared computers to log on to any financial websites, our automatic log-off will keep your account safe from snoopers.

No duplicate accounts allowed

Once you successfully register with Credit Karma, no one else will be able to use your information to register. In fact, if a duplicate signup attempt is detected, it is automatically and immediately deactivated before the credit score is ever retrieved. This security measure ensures that you—and only you—can access your credit information.

Helpful Tip: Free credit monitoring and account monitoring

Credit Karma wants to help you keep a close watch on your credit report activity, so we’re excited to provide you with free credit monitoring. This service will keep an eye on your credit report and alert you via email if anything important changes.

Credit monitoring is great for identity theft protection; you’ll know if someone tries to open a new account in your name or if a hard inquiry is initiated on your credit report. You can make sure you’re enrolled in free credit monitoring by updating your preferences in your Credit Karma profile.

In addition, we’re proud to provide free account monitoring for our members. After you connect your financial accounts, you can configure your communications and monitoring preferences and let us know when you want to receive various alerts and notifications regarding those accounts.

Bottom Line: We use these methods and others to ensure our members’ safety and security. In fact, Credit Karma is a great tool to help protect you from identity theft and fraud. Monitor your credit on a regular basis at Credit Karma to ensure that your credit information remains safe.

is the Social Media Manager and Writer at Credit Karma.

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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. With the help of the credit monitoring, it will be a great way to be aware of the changes and make some actions while it is still early. Thanks for providing this kind of information!

    Trevor Jones at 6:05 am on April 1, 2012
  2. I just down loaded it for my sister and she is afraid that her credit score will go down if you see your score more than once a day. Will it hurt your score by logging on all the time. How many times can you view you score?

    Sergio Padilla at 5:18 pm on August 27, 2012
  3. You can only update your score on Credit Karma once a day, but know that checking your credit score on Credit Karma will never hurt your score, since it’s known as a “soft inquiry.” Read more here:

    bethy at 10:38 am on August 28, 2012
  4. Question, IF I use CK, can I truly use it to not only know my credit score but to also help rebuild my credit score? I know there is a fee but does this really work and if so how?

    I’m working really hard to rebuild my credit.


    Denise at 2:05 pm on September 24, 2012
  5. Actually – there’s not a fee at all! Credit Karma is completely free. You can check your credit score as often as you like, up to once a day for free. You can also enroll in free credit monitoring to keep an eye on your credit report. We have lots of other tools to help you learn how to build and maintain your credit, too.

    bethy at 5:05 pm on September 24, 2012
  6. I was using paid services like that “FREE” company (won’t even say their name) and was always frustrated with their interface and billing practices, as well as the errors I had. CreditKarma is far superior to those other sites.

    Definitely feel “safe” with using CK and very happy with the site as a whole, including this blog!

    Clint Lenard at 2:40 pm on September 25, 2012
  7. Thanks, Clint! Really glad to hear the Credit Karma is working out for you.

    bethy at 3:18 pm on September 25, 2012
  8. credit Karma is free. In this world things are done for twi reason only. Love or Money. Credit Karma does not love us. What is in it for you guys?

    Alvar at 12:10 pm on February 18, 2014
  9. Mike

    Hey Alvar – The advertisements and offers you see on our site enable us to make this service free for you. Our free credit scores are sponsored by partners who share our vision that consumers should have free access to their score.

    Mike at 4:31 pm on February 18, 2014
  10. Please help says my account was deactvited tried using my work email says the same thing. What can i do can you rest it so i can sign up again?

    kimberly craig at 11:35 am on February 21, 2014
  11. Mike

    Hi Kimberly – Please email us at and we’d be happy to help you out. Thanks!

    Mike at 4:49 pm on February 21, 2014
  12. I trusted Credit Karma to be a safe site to obtain my free credit score. However, I now know it isn’t. A company known as ScoreSense accessed my husbands info from the site and used it to deduct a monthly fee of $29.95 for 3 months from our bank account.
    When we contacted ScoreSense, we were told that they deducted the fees because my husband was not eligible for Credit Karma services?!
    Score Sense said they would refund the money, however we have not been able to recover the $89.85 because,according to our bank, we waited over 60 days. BEWARE OF CREDIT KARMA

    anne place at 2:48 pm on July 9, 2014
  13. Mike

    Hi Anne – I’m sorry to hear that. Credit Karma is entirely free, and no one is ineligible for our services. We also do not share information without your permission with ScoreSense, or any other credit score site that will charge you. If you’ve been charged by ScoreSense, you’ll unfortunately need to address those charges with ScoreSense and your bank directly.

    Mike at 9:38 am on July 10, 2014
  14. Hi,
    I need to delete the account detail. Can you help me how to delete my profile

    Ankit at 3:59 pm on July 22, 2014
  15. Mike

    Hi Ankit – I’m sorry to hear that. You can find more information on canceling your membership here:

    Mike at 8:46 am on July 23, 2014

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