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It is legit! happy to say! they have great customer service too if you have questions. They never ask for payment information, ever so there's no way they could scam you anyways. Also they never trick you into purchasing other products either. I have been using it since March, studying all I could about credit, and its a great product to monitor your score. When you log in the first time it seems like they give you alot more detailed information about the accounts you have that are deliquent.. I wrote all mine down. when i logged in other times it didn't seem like they gave quite as detailed info on it but don't let that discourage you it truly is a great service thats pretty darn transparent for being a free service. I was able to raise my score from 601 in march to 635. i have applied for a mortgage loan..but did so a little too soon before my credit was raised enough. the mortgage company sent me a copy of the score they pulled (which at the time was 612)

credit karma offers a few different scores because there are multiple ways they are assessed. my score the mortgage company pulled was current with the vantage score they show. apparently this vantage score is formulated more heavily with recent history. the transunion score they show was alot lower and has stayed lower because that one weighs all your older info a little more heavily. (in my case my current history is much better than quite a few yars ago so thats why my scores are so different)

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There are two main ways to deal with this, the 'dubious' version is with a credit consolidation company. Bottom line, they lend you enough money to clear your debts over a far longer term and with very strict penalties and actions for missed payments. i.e if you miss a payment, they can raise the 'introductory' rate from around 5% to 19% as a penalty (you'd be signing for this at the start so Its quite legal, if unethical) or demand full payment before siezing assets (cars, houses, etc) which again is quite legal. The second is very different, it is done by a company working with your creditors to come to arrangements that benefit both parties. BUT there is no gaurantee that your creditors will accept the deal and the company charges a monthly fee to keep the arrangements met. Either way you totally trash any hope you ever had of getting credit for a long time. This can include paying bills quarterly, getting mobile contracts, loans, credit cards, etc. It may also prompt companies you have credit with to increase your APR as you are now high-risk. NOTE: there is no such thing as walking away clean. You either pay the piper, make arrangements to pay your debts or go to court and get your assets stripped. Any way you choose will leave your credit rating in shambles but the FIRST option you can do yourself by going to each company and explaining what is happening and making a serious offer to help clear the debt. They do listen and sometimes you come out of it intact.

Credit Karma

It is not 100 percent accurate. All 3 of the credit bureaus actually have different scores for you. When applying for credit, loans, etc...its based on payment history and amount of debt. Someone makes a very good salary to determine this, it is risk based. You can have a bad credit score but have a 1 million dollar house paid off...soo in the eyes of that guy he is thinking "we can get make money". I have signed up for credit karma and it seems to give you updates when something happens. It's a tool and a push to guide you in the right direction.

Asked myself that same question a long time ago. Turns out it is owned by TransUnion and it's been around for several years now, so either best credit score scam ever, or mostly legit. Of course, they do show you ads and send you emails.

Also, there are several add-on services that they offer. Be sure to not enter a credit card number. The score is free, the other services are not. A lot of people get confused.

It depends. Do you owe anyone any money and how much and is it worth their trouble to get it. Almost everyone I know who has started an account with credit karma has had their wages garnished by a creditor they owed money to soon after. But you do get see your credit and they do help you "fix" your credit lol my wages are being garnished but instead of 50% of my check they can only take ten because I have a baby and a husband who is disabled. But they still tried. So be careful.

Okay I’ve tried both Credit Karma & Credit Sesame, and I prefer CS. CS has a more natural user interface (which is just a personal preference), but they also offer free identity theft insurance. I haven’t found anyone else that offers this service for free.

I just found a flaw with this CreditKarma. The hubby kept using it for the past year, and started getting collection letters from companies he supposedly owed money to over 6 years ago (due to identity theft). I pulled his TransUnion. Nothing on that report matched what Credit Karma said. From recent due diligence, credit Karma may access old credit reporting on a person, and sell that outdated debt to other third parties - who are not too savvy in nature. I researched that company too. Come to find out, the company trying to collect on a debt shown on his CreditKarma is known to go after such very old debt and harass people until they pay. They offered to settle a alleged $1000 for $300. This is just a word to the wise - nothing in life is "free".

CreditKarma.com is a real site for TransUnion. It gives you scores but they aren't FICO scores, they are Vantage scores, which is why they earn the name FAKO scores. But it gives you an idea of where you are at.

Credit Karma is good because you can check your score every month and if anything has changed, it will update so you can see it. And yes, it really is free!

Another good free site with Vantage scores is Quizzle.com. This is an Experian site. You can check it as often as you like for free also, but it only updates every 6 months. I like Quizzle.com better than CreditKarma.com because it generates a nice little report that you can save to your computer, print out, email, that sort of thing. CreditKarma.com's site is not as user friendly as quizzle.com.

But, that said, they are both great sources for checking your credit and seeing approximately what your score is.

I tried to obtain a credit report from Credit Karma. They had some real stupid questions that they claim they got from how I identified myself. One of the questions was when I attended the Naval Warfare School, which nowhere did I even say that had gone to this school. Another one was where was my last student loan, I do have a college degree, but I never took out one student loan as I was able to pay for my college using the GI bill and working, nowhere did I even say that I took out a loan. Now they are asking me for personal documents, like my SSN card, state driver s license, passport to prove to them that I am who I say I am. Guess they think that I am stupid enough to send these documents to them to an address in San Francisco, California. They have the account that I set up all locked up. They will not do anything to include providing a telephone number where you can talk to someone. This Credit Karma is a joke and a scam that they are looking for enough personal information in documents so that they can steal your ID from you. BEWARE OF THESE PEOPLE.

why 8 characters? I tried and it would not take.