Free Credit Scores From Credit Karma: What's The Catch?

Is Credit Karma safe? By now, most Americans have experienced the ads for that highly popular website that promises having access to free credit ratings .. But is Credit Karma a gimmick? Is it really free, or perhaps there some hidden agenda? You may have wondered should the site might be trusted or if there’s something occurring behind the scenes that you can know about.



To test that out, we created a free account at the website and used the free credit ratings feature. Not only is Credit Karma safe, it includes free usage of user people's credit reports and also brings some powerful other functions to the table. We’ll cover many of them below. We’ll also warn you of a few what you should avoid. Screen grab from Credit Karma’s website.



Credit Karma shows users free fico scores from a pair of the three verifying bureaus: TransUnion and Equifax. 19.99 every month forever after. Credit Karma, however, is probably the good guys. Their free credit standing service is really free. They don’t even ask for almost any payment information they might use sooner or later down the road to sneak in hidden fees. No bank card numbers, banking account numbers, nothing. Without a charge card or other sort of payment of their hip pocket, there’s no way for your site to sneak in hidden fees while users aren’t looking.

Screen grab of Credit Karma’s simple enroll process. No charge card numbers or some other payment info are important to see free credit ratings. Since Credit Karma doesn’t ask for charge card numbers and other bank information, there’s not a way it could be utilized to pilfer money looking at the users’ accounts. And since it only asks for your last four digits of the person’s ssn and not the entire number, the web page can’t come to be used for id theft. It doesn’t collect any information that could be employed for online theft, so consumers may use it without fear.