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. .

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.

I figured I would write a review, I normally don’t do this. 5 years ago my credit was so bad it rated at the lowest it could possibly be. In fact it was likely below the lowest rating. I got this app and finally I learned how credit worked. Prior to the app I had no clue. I immediately started making the suggested changes. This app helped me understand how Credit works and what you can do to immediately take action. Within a month my score increased. It was still terrible BUT I saw it work. Within a year I moved up to Fair credit, I never imagined I would even get that far. It motivated me. So I kept on using the tools provided. My credit was so bad it did take time, however as of today I have excellent credit at nearly 800. I no longer had to search for co signers or be concerned that I couldn’t get a loan if I needed it. (My Fico score is also excellent). Had I not bothered getting credit karma because I thought I couldn’t fix it I would have still been drowning in bad credit. If you think you can’t fix it and your credit is so bad it can’t be repaired you are wrong. If I could get out from under it so can you. Get the app. It works.