Intuit Credit Karma

Name: Intuit Credit Karma
Rating: 4.8 (7405455 reviews)
Author: Credit Karma, Inc.

Your personal money app

Only for iPhone

Free

7.4M Ratings
Ages

18+
In-App Controls
Category

Finance
Developer

Credit Karma, Inc.
Language

EN
English
Size

212
MB

iPhone

Navigate your unique financial path confidently with help from Credit Karma and make the most of your money. CONNECT YOUR ACCOUNTS FOR FINANCIAL INSIGHTS - Track your monthly spending - Monitor transactions - Look out for ATM fees, late payments and more GET TO KNOW YOUR CREDIT - Get alerts when credit scores change - Learn what affects your scores and how to build credit EXPLORE YOUR OFFERS Compare offers and apply with more confidence:† - Loan amounts - Rates you could be approved for STAY INFORMED - Be alerted of changes and opportunities. - Credit score changes - Identity monitoring - Rate monitoring—we’ll let you know if we see better interest rates SIMPLIFY TAX TIME - Upload a photo of your W-2 - We’ll prefill your profile info - Finish filing on your computer BANK ONLINE Open Credit Karma Money Spend and Save accounts*** from the app. FIND COMPETITIVE CAR INSURANCE OPTIONS - Compare options to see if you could save - You may unlock a discount on a new policy if you’re a good driver DISCLOSURES *Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at time of application may be prompted to apply for Credit Builder. **From June 2024 to Nov 2024, members with a TU credit score of 619 or below who opened a plan and had it reported on their TU report saw an average score increase of 17 points in 3 days of activation. Late payments and other factors can negatively impact your score. ***Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. ^ Borrowing Power is based on the highest offer amount available to you through Credit Karma where you have Outstanding Approval Odds. The offers themselves are not guaranteed and are subject to change without notice. † Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender. Screens simulated. For display only. Intuit Assist is an emerging tool that provides information to consider as you make financial choices. Not all features are available to all members. You must link your external financial accounts for full functionality. Please check for mistakes. Always review terms and conditions before applying for financial products. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | CA loans arranged pursuant to a CA Financing Law license. Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748. Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 1100 Broadway, STE 1800 - Credit Karma, Oakland, CA 94607

Ratings & Reviews

4.8

out of 5

7.4M Ratings

it’s a no-brainer
Mar 26

sean n 12
definitely a tool that I probably couldn’t do most of the things that I’m able to do when it comes to finances. In my opinion, it’s a must have app for everyone and you can choose whichever best suits your needs as far as what you want and what you don’t want out of it, but at the bare minimum, you get an opportunity to constantly see your and breakdown what you can do to either improve it or get the most out of it by the variety of credit cards they can assist you attaining. it really is a good product and nobody bothers you or hounds you you just go on it when you need to get on it look at different things. You can order things that you might feel might be suitable for you or you might need as far as credit alert. You can lock your credit so nobody can run any inquiries on it and then you could choose to unlock it when you want so you don’t have to worry about ID fraud or anything like. There’s so many things. I don’t even use all of them but everything that I do use is so easy to use I couldn’t imagine how I was able to do things before I used them. It’s definitely made me more attentive towards my credit and it also assisted me on shopping for a car for financing. .
it’s a no-brainer
Mar 26

sean n 12

definitely a tool that I probably couldn’t do most of the things that I’m able to do when it comes to finances. In my opinion, it’s a must have app for everyone and you can choose whichever best suits your needs as far as what you want and what you don’t want out of it, but at the bare minimum, you get an opportunity to constantly see your and breakdown what you can do to either improve it or get the most out of it by the variety of credit cards they can assist you attaining. it really is a good product and nobody bothers you or hounds you you just go on it when you need to get on it look at different things. You can order things that you might feel might be suitable for you or you might need as far as credit alert. You can lock your credit so nobody can run any inquiries on it and then you could choose to unlock it when you want so you don’t have to worry about ID fraud or anything like. There’s so many things. I don’t even use all of them but everything that I do use is so easy to use I couldn’t imagine how I was able to do things before I used them. It’s definitely made me more attentive towards my credit and it also assisted me on shopping for a car for financing. .
Kent Butler
11/23/2023

3-21 Review
Seems like there is a too much time fluctuation in balances and also inconsistencies . If a person temporarily puts something on a card, it seems the scores go down immediately whereas if one pays the card down, it has to crawl back up the chart at a snail’s pace. Also, one has long term debts as well as credit card debts that affect one’s score. I’ve noticed one might pay a lot on a long term debt and affect his score very little in comparison as a credit card debt. Granted, more than likely, this debt is spread out over time, but if one pays off quicker, the score should follow quicker. I also, realize the situations I mentioned are more just passed along as the rating companies do as they want, but it still adds to or takes away from the working experience on CK’s site. Adding to the above review, which obviously doesn’t get read anyway, I have a card that I use that has no credit to it whatsoever— I get paid on this card and transfer money from it as I use it to purchase things as one would with cash. Anyway, my card information was compromised and I had to utilize “credit”cards until a new card was issued and the situation was addressed. Of course my score took another hit because that’s the way it works. It immediately goes down but takes forever to go back up even if the card is immediately repaid. Exactly, how can a person use a card and not get punished even if he pays off often?

Developer Response
Lenders only update the credit bureaus once a month which means it's normal for your report to be a full billing cycle behind current info. That being said, if your account has stopped updating, we want to help! You can reach our Member Support team here: https://support.creditkarma.com/s/newcase
Kent Butler
11/23/2023

3-21 Review

Seems like there is a too much time fluctuation in balances and also inconsistencies . If a person temporarily puts something on a card, it seems the scores go down immediately whereas if one pays the card down, it has to crawl back up the chart at a snail’s pace. Also, one has long term debts as well as credit card debts that affect one’s score. I’ve noticed one might pay a lot on a long term debt and affect his score very little in comparison as a credit card debt. Granted, more than likely, this debt is spread out over time, but if one pays off quicker, the score should follow quicker. I also, realize the situations I mentioned are more just passed along as the rating companies do as they want, but it still adds to or takes away from the working experience on CK’s site. Adding to the above review, which obviously doesn’t get read anyway, I have a card that I use that has no credit to it whatsoever— I get paid on this card and transfer money from it as I use it to purchase things as one would with cash. Anyway, my card information was compromised and I had to utilize “credit”cards until a new card was issued and the situation was addressed. Of course my score took another hit because that’s the way it works. It immediately goes down but takes forever to go back up even if the card is immediately repaid. Exactly, how can a person use a card and not get punished even if he pays off often?
Developer Response 05/31/2022
Lenders only update the credit bureaus once a month which means it's normal for your report to be a full billing cycle behind current info. That being said, if your account has stopped updating, we want to help! You can reach our Member Support team here: https://support.creditkarma.com/s/newcase
Very disappointed
2d ago

so0verlt
I tried creating credit Karma account to help keep track of my credit but someone already created an account using my information. When chatting with the customer service members they were helpful at first but then when I went through the verification process that’s when things started to go left. Keep in mind I am college student who lives in student housing and do not get utility bills or such like that. So when sending in the document for proof of address there’s 4 tabs: one for mortgage, one for tax documents, one for utilities, and one for other. I used the ‘other’ tab and sent in a picture of a mail from one of my loans. They emailed me back and told me it was blurry to retry. I say okay do it again. Also keep in mind that the pictures are automatically take on the website so I can’t control when it snaps the photo. When I try again they say it was service issue so try it again. I say okay and try again. Then they say my proof was a utility bill that’s passed 30 days. I say no it’s not? and explained why it isn’t a utility bill and even asked if they can tell me what is accepted. They give me generic and passive aggressive response back saying I can’t bypass the verification when I never said I wanted to bypass verification. And it’s like the chat is being passed around and nobody is looking at the history to see why I’m having an issue. It is not fair that someone can see all of my credit history and I can’t stop it because of this stupid problem.
Very disappointed
2d ago

so0verlt

I tried creating credit Karma account to help keep track of my credit but someone already created an account using my information. When chatting with the customer service members they were helpful at first but then when I went through the verification process that’s when things started to go left. Keep in mind I am college student who lives in student housing and do not get utility bills or such like that. So when sending in the document for proof of address there’s 4 tabs: one for mortgage, one for tax documents, one for utilities, and one for other. I used the ‘other’ tab and sent in a picture of a mail from one of my loans. They emailed me back and told me it was blurry to retry. I say okay do it again. Also keep in mind that the pictures are automatically take on the website so I can’t control when it snaps the photo. When I try again they say it was service issue so try it again. I say okay and try again. Then they say my proof was a utility bill that’s passed 30 days. I say no it’s not? and explained why it isn’t a utility bill and even asked if they can tell me what is accepted. They give me generic and passive aggressive response back saying I can’t bypass the verification when I never said I wanted to bypass verification. And it’s like the chat is being passed around and nobody is looking at the history to see why I’m having an issue. It is not fair that someone can see all of my credit history and I can’t stop it because of this stupid problem.
0 stars if I could
01/06/2023

Capitalism?! FUN!!!!
Few things. First Credit Karma may give you “some kind of idea” where your credit is. But it’s not accurate. Second they have a feature where you can use credit karma money. I had it for around 7 months. I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up. Well I had my paychecks set up to Credit Karma Spend. I received my first check. Didn’t receive my second. I called Credit Karma they informed me my account was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one. “It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced. Which is my third thing. Their customer service is awful. They won’t let you speak with a supervisor immediately. They have to “contact you back.” And then they never do. Stay FAR away from credit karma. And until Turbo decides they aren’t partnering with Credit Karma stay Away from them.

Developer Response
If the credit bureau makes a change to your report, you’ll see it on Credit Karma after we get the updated information from the bureau. Keep in mind that Credit Karma isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information.
0 stars if I could
01/06/2023

Capitalism?! FUN!!!!

Few things. First Credit Karma may give you “some kind of idea” where your credit is. But it’s not accurate. Second they have a feature where you can use credit karma money. I had it for around 7 months. I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up. Well I had my paychecks set up to Credit Karma Spend. I received my first check. Didn’t receive my second. I called Credit Karma they informed me my account was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one. “It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced. Which is my third thing. Their customer service is awful. They won’t let you speak with a supervisor immediately. They have to “contact you back.” And then they never do. Stay FAR away from credit karma. And until Turbo decides they aren’t partnering with Credit Karma stay Away from them.
Developer Response 01/09/2023
If the credit bureau makes a change to your report, you’ll see it on Credit Karma after we get the updated information from the bureau. Keep in mind that Credit Karma isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information.

Thanks for using Intuit Credit Karma! Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs. Stay tuned for more updates and be sure to share your feedback at comments@creditkarma.com.

Version 25.46

3d ago

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Browsing History
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Purchases
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

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Ratings & Reviews

What’s New

Version 25.46

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

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