July 30th, 2014

Now on Credit Karma: Full Credit Reports!

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Now on Credit Karma: Full Credit Reports!

For years, Credit Karma has taken pride in providing free credit scores, credit monitoring and valuable educational resources. Now, we’re excited to introduce full credit reports to our family of features.

Credit Karma members are now eligible to check their TransUnion credit report at any time through their Credit Karma account, and to update their report once a week. The feature will allow unprecedented free access to interested consumers.

The Features

This new product isn’t simply a data dump. Instead, it’s a carefully crafted resource for your credit health. Here are a few of the highlights of Credit Karma’s full credit reports.

1. Always available, always free

Like everything on Credit Karma, your full credit report will always be available and always be free. Gone are the days of paying for credit reports. Forget about only getting your reports once a year. Instead, access your full TransUnion information anytime and always enjoy the liberty of printing out a hard copy for your records.

2. Information put in context

By bringing full credit reports to the site, we’re seeking to provide much-needed context to over 25 million members. Too often, credit reports confuse consumers and leave them with a less-than-clear picture of their financial health. To combat confusion, Credit Karma’s full credit reports come in an easy-to-understand format complete with educational blurbs and related reading. With Credit Karma, you can not only access your free report but truly understand it.

3. Key aspects highlighted

Now on Credit Karma: Full Credit Reports!

Your credit report will come with filters that point to areas that might deserve your attention. If one of your accounts has been reported as closed, if you’ve missed a payment or even if a new personal address has been added to your report, you’ll receive helpful notifications that will get to the heart of the change as well as tips on potential actions you could take.

4. A complete library of previous reports

In addition to your most recent report, you’ll gain access to one credit report for each account update, dating back to your date of registration. Every new credit report will stay available for future access. Access prior reports to get a better sense of how your finances have changed over time and to better prepare for your financial future.

Awesome! How do I get my report?

If you’re already registered for Credit Karma, all you have to do is log in to get access to your latest credit report. For those who haven’t registered already, now’s the time! Sign up and start collecting your full credit reports today.

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.


is a Content Writer at Credit Karma. Since joining the team in June 2013, he’s been delivering the financial know-how on the daily. When away from work, you can find Mike watching hockey, Twittering for hours and frequenting trivia nights.

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  1. So glad to have Credit Karma as a tool and resources for all credit,finance and in between. I’ve picked up a lot of things from this website day in and day out. Now you have the full credit report “beta” Im likin you guys more….Keep up the good work….I totally appreciate what credit karma is providing….I honestly wanna extend my gratitude to all you….


    Bernard at 12:43 am on August 2, 2014
  2. A very nice new feature! This site just keeps getting better and better.

    Vic at 12:29 pm on August 2, 2014
  3. My credit is not getting updated

    Anthony at 4:12 pm on August 2, 2014
  4. This is a great feature. Hoping that you guys will being showing information from Equifax and Experian as well. Maybe free FICO scores too!

    Uhsarp at 6:00 pm on August 3, 2014
  5. i have zero debt. credit karma dropped my score 45 points overnight. TransUnion has no new inquiries credit karma has 8
    my score on other credit sites is over 800, how does credit karma overnight drop my score 45 points>

    none ofyourbu at 8:20 pm on August 3, 2014
  6. Mike

    Thanks for all the kind words, everyone! We’re so glad to see you’ve been enjoying the new feature.

    Anthony – Thanks for your comment. This sounds like a problem that our member support team could help you out with. You can reach them here: https://www.creditkarma.com/about/contact

    Mike at 9:15 am on August 4, 2014
  7. Mike

    Thanks for your comment. Regarding unexpected score drops, I’d suggest you check out our help center article on the topic: https://help.creditkarma.com/hc/en-us/articles/202249830-Why-did-my-score-drop-

    If you have further questions, you can also find contact information for our member support team on that page. Thanks!

    Mike at 9:18 am on August 4, 2014
  8. How is it possible you report a closed account that is in my report that has wrong information on it as far as dates when it was closed and last payment posted ?
    It is Aspen credit. BTW this account was paid and closed by them…not by me as the report states in 2006 or 2007.
    They cancelled stating that Compucredit was taking over Aspen.
    AND they decided to not issue a new card at that time.
    Further more the FTC filed against the company for illeagal practices…………Thanks,Still getting the “Weenie”

    Kirby Benson at 10:24 am on August 5, 2014
  9. Is it true that Credit Karma is free because they Sell our information?

    connie at 1:06 pm on August 5, 2014
  10. Mike

    Hi Connie – Thanks for your question. No, Credit Karma does not sell any of your information. Instead, we’re able to stay free by partnering with financial institutions to promote offers that could be beneficial to your credit health. You can read more here: https://www.creditkarma.com/article/is-credit-karma-a-scam

    Mike at 3:00 pm on August 5, 2014
  11. Mike

    Hey Kirby – Thanks for your post. All of the credit information on Credit Karma comes directly from TransUnion, one of the three major credit bureaus. If you’re seeing incorrect information on your Credit Karma profile, you can file a dispute directly with the credit bureau. Check out this article for more information: https://www.creditkarma.com/article/dispute-credit-report-errors

    Mike at 3:02 pm on August 5, 2014
  12. My credit is not being updated either. I took your offer of a credit card with Capital One and have been diligent in making payments that would leave my balance at less than 50% and on ONE single day my balance accidentally went over the limit by a $1 and I paid it way down IMMEDIATELY THE SAME DAY, but Credit Karma keeps reporting that one day’s high balance which was 45 days ago!!! NOT HAPPY WITH THAT AT ALL! I feel like taking that credit card offer to try to raise my score was a scam. Wish I had not taken you up on that offer.

    Marcia McMullen at 8:45 am on August 6, 2014
  13. Mike

    Hey Marcia – I’m sorry to hear that. If Credit Karma is still showing an old balance, that’s because TransUnion’s information hasn’t been updated with the correct information. I’d recommend checking out this article to learn more about how to dispute incorrect info: https://www.creditkarma.com/article/dispute-credit-report-errors

    Mike at 8:56 am on August 6, 2014
  14. Mike..filed dispute all 3…..1 on line the other 2 you have to write. Now long until the on line kicks in ? And when doe’s Credit Karma do anything.
    I love it…..Reporting companies will stick it on line,is any looking into what they report done ? And how is it that a company that the FTC has fined millions of $$$ is not investigated themselves when they try to put things on line ? Thanks

    Kirby Benson at 4:30 pm on August 7, 2014
  15. Really like this new feature.

    Sharon at 4:49 pm on August 7, 2014
  16. Mike

    We’re so happy to hear that, Sharon!

    Kirby – Thanks for the reply. Once you file a dispute, it generally takes the bureau around 30 days to reply, though that time could be longer. Your Credit Karma account will be updated as soon as the information is updated on your TransUnion file. Thanks for your patience!

    Mike at 10:08 am on August 8, 2014
  17. I think as soon as a dispute is filed the item should be taken down until a decision is made,it is just wrong to keep posting “Bogus” info……….Anyone ever look into Aspens,and others,wrongful crap ? Malicious companies should be banned from ever filing.
    Transunion needs to kick it up a notch.
    I bet it does’nt take 30 days to post things from a company………
    Might sound like I don’t like Credit Karma…But I really do.

    Kirby Benson at 8:37 am on August 9, 2014
  18. why is it that we only get 1 credit sore?/how can i view all 3?

    sandy williams at 1:32 pm on August 9, 2014
  19. Mike

    Kirby – Thanks for your reply. Your frustration is definitely understandable. If you’re still having trouble after 30 days, please feel free to contact our support team for more assistance: https://www.creditkarma.com/about/contact


    Mike at 9:26 am on August 11, 2014
  20. Mike

    Hi Sandy – At this point in time, we do only feature scores and reports from TransUnion. Since each person has a number of credit scores, we believe tracking one score over time is the best way to measure your credit health. You can read more here: https://www.creditkarma.com/article/is-credit-karma-accurate


    Mike at 9:36 am on August 11, 2014
  21. I think it would be just great if Aspen would show PROOF of what they are using to say final payment was in 2012,and not 2007 like I say, AND can prove.

    Kirby Benson at 7:44 pm on August 11, 2014
  22. What is wrong with Credit Karma websites? I have alway gotten my score from you with no issues for several years. Now your website does not open for me. And I used to get an e-mail regularly from you which I could open up immediately and get my credit score. Please advise

    Christina E. Gerard at 4:06 am on February 19, 2015
  23. Mike

    Hi Christina – I’m sorry to hear you’re having some technical problems. If you have a moment, I’d recommend getting in touch with our member support team for some investigation. You can find them here: https://www.creditkarma.com/about/contact


    Mike at 10:42 am on February 19, 2015
  24. How would I go about removing an account from 2006? The account was paid in full and closed. please advise.
    thank you!

    Mariana at 7:34 am on March 17, 2015
  25. Mike

    Hi Mariana – Accounts that were closed in good standing will typically remain on your credit reports for 10 years. You can read more about this here: https://www.creditkarma.com/article/account-reported-as-closed


    Mike at 9:10 am on March 17, 2015
  26. tells me page can not be displaced . Please let me know how to get back on site. Thanks P.S. have new e-mail. Will send it later. Usethe one I used.

    marlene at 4:51 pm on March 31, 2015
  27. Mike

    Hi Marlene – I’m sorry to hear about that! This might be because you’re using an outdated browser. You can read some tips on how to attack this problem here: https://help.creditkarma.com/hc/en-us/articles/202799490-Why-can-t-I-access-the-Credit-Karma-website-


    Mike at 5:16 pm on March 31, 2015
  28. can’t get into account thanks

    marlene at 8:08 am on April 3, 2015
  29. Mike

    Sorry to hear that, Marlene! If you’re having password trouble, I’d recommend starting here: https://help.creditkarma.com/hc/en-us/articles/202333284-How-do-I-reset-my-password-

    You could also always get in touch with our member support team. Find them here: https://www.creditkarma.com/about/contact


    Mike at 8:27 am on April 3, 2015
  30. Am using credit karma for last 2 years. I can able to see Trans Union credit report and it is good, but not able to Equifax credit report. Where as all other friends of mine can able to see both Trans Union end Equifax report.

    Please do the needful ASAP. Awaiting your response soon.

    Mohammed Ghouse at 6:10 pm on September 27, 2015
  31. Enola Guerrero

    Hi Mohammed – Sorry to hear you are having issues with your account. Our support team can definitely assist you with this matter. Please contact them by going here: https://www.creditkarma.com/about/contact


    Enola Guerrero at 12:08 pm on September 29, 2015

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