Credit Karma is always free to use. During the registration process, Credit Karma will never request your credit card number. We don’t rent or sell your information. If you obtain a service as a result of one of our suggestions, we may get compensated through our partners.
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Yes, Credit Karma is a 100% free credit monitoring service that gives you your credit score and report without any hidden costs or obligations. In addition to credit scores from TransUnion and Equifax, Credit Karma users have access to their TransUnion credit report as well.
It’s important to note that having a Credit Karma account will not automatically improve your credit scores. We obtain your TransUnion and Equifax credit report information on your behalf. A soft inquiry won’t have an effect on your scores, but a hard inquiry might.
Opting Out: Even if you aren’t applying for a loan, your information may be sold to businesses by the credit bureaus. If you’ve ever received a pre-screened credit or insurance offer in the mail, your data may have been secretly sold.
Credit bureaus collect and sell data about consumers’ credit histories to banks, mortgage lenders, credit card companies, merchants, and other firms that offer credit.
Checking your free credit scores on Credit Karma does not harm your credit. Soft inquiries are credit score checks that don’t affect your credit in any way. When a lender performs a hard inquiry (also known as “hard pulls”) on your credit while evaluating your application for a financial product, it’s usually due to an active account.
If your Credit Karma score isn’t correct, it’s probably because of something else. That is, one of the bureaus made a mistake or failed to provide relevant information. Alternatively, the data may have been supplied to one bureau but not others. Using Credit Karma will not damage your credit rating.