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Credit Karma | Free Credit Score Check

Credit Karma | Finances | Free Credit Score Check


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Credit Karma | Free Credit Score Check


Credit Karma is a personal finance service. If you pay your credit card bills in full and on time every month, don't open and close accounts frequently, stay current with loan payments, and avoid negative events, such as bankruptcies and tax liens, you'll be rewarded with an enviable credit score.


Since most of us don't have perfect credit habits, we need to know where we stand—and how to improve that critical number. Credit Karma helps on both counts. It keeps you up to date on that all-important credit score, but it also informs you of potential credit breaches and provides tools that help you find and secure the best credit, loan, and auto insurance deals. It does all of this for free, paying for itself by the recommendations it makes to you based on your overall credit profile.


Easy Setup

Getting started with Credit Karma only takes a few minutes. You need to provide your name, address, and a few finance-related personal details, such as your Social Security number. Because the site holds such sensitive information, it offers several security features, all of which you should use. You can request a texted code to verify your identity with two-factor authentication if you log in from a different device, for example, and enter answers to security questions. You can turn credit and identity monitoring off or on and request email notifications for special promotions, changes to your credit score, and so on.


What's a Good Credit Score?


While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good.


Lenders typically use your 3-digit credit score to help them decide if they'll approve you for a loan or credit card. In general, the higher your score, the better your chances of getting approved. Having a good credit score can also help you save on interest rates.


Of course, a specific score doesn’t guarantee that you'll be approved for credit or get the lowest interest rates, but knowing where you stand may help you determine which offers to apply for - or which areas to work on before you apply.


How do I find out what my credit scores are?


You can get your scores from Equifax and TransUnion for free on Credit Karma. Signing up takes just a couple minutes, and checking your own scores won’t hurt your credit.


You’ll also get free credit reports from Equifax and TransUnion. They can be updated as often as once a week, so it’s easy to track your progress.


Once you know your scores, check out your Credit Factors to learn what may be impacting them. It's a great way to figure out where you can improve.

Ready to see your scores?


Try Credit Karma today, It's FREE!


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