Creditkarma Reviews

Credit Score & Credit Reports at Credit Karma™ UK

creditkarma.co.uk
3.57
140 reviews
Great Rating
Based on 140 user experiences

Rated 3.57 out of 5 by 140 Happy Customers

42.9%
14.3%
14.3%
14.3%
14.3%
All 5 ★ 4 ★ 3 ★ 2 ★ 1 ★ 😊 Positive 😐 Neutral 😞 Negative Reset Filter
AI Review Summary Based on 140 reviews

Credit Karma receives mixed feedback from users, with many praising its usefulness for monitoring credit scores and providing financial insights, while others report issues with accuracy, delays in updates, and aggressive upselling. Users appreciate the free access to credit information and alerts, but some criticize the app for outdated data, confusing recommendations, and customer service challenges. The score calculation methodology and occasional discrepancies also draw concern.

What customers love
  • Free credit monitoring
  • Helpful financial insights
  • Easy to use interface
  • Regular notifications
  • Credit improvement tips
Common concerns
  • Outdated information
  • Inaccurate score calculations
  • Excessive upselling
  • Slow updates
  • Poor customer support

Last updated 2 weeks ago

B

Poor

Well I wouldn t be here but they sent me an email asking for a review so here I am I get at least one email a day telling me to check my score regardless of whether I have in the day or two before and when I do things are exactly the same Net result is that I now largely ignore whatever they send In addition they say they hold a draw and to check in to see if you ve won I don t believe this draw happens and is another means to get you to log on in the hope that you make applications I have on occasion applied through their links to cards I m virtually guaranteed to get yet I don t because the lender probably has different criteria
D

One minute my credit is really good and

One minute my credit is really good and because a Wi-Fi company says I owe money which I don t from 1920 my score has dropped very low What about checking with people about these accusations before excepting them anyone can go to court and say that you owe her money so thanks but no thanks I will not be using Credit Karma anymore
M

Inaccurate misleading advertising

I was offered on their site to apply for a 100 pre approved credit card I was reluctant to apply if I was turned down as this can adversely affect one s credit rating However when I applied for the card I was rejected Credit Karma claimed 100 dosent mean 100 and rejected my suggestion they at least put in future 99 likely to be approved Instead I continue to get bombarded with offers of 100 approved credit card offers
J

Not fair reporting

This company feeds from Trans Union they rate me as fair work to be done I lived in USA for 34 years so when I came back to UK I had no credit two other reporting agencies report me as Excelent This company says I owe over 2 000 more than I do they tell me to look for credit cards but are none Equifax shows many and says 100 approval I get turned down for credit when lenders use Trans Union but get approved when when they ius Equifax
D

Accept your responsibility

You accept no responsibility for the drop in the score you assign Isn t us it s Exuifax Two Virgin mobile accounts handed over to O2 shows as two new accounts opened resulting in a score drop The first of next month my other Virgin account will be handed over to O2 so yet again a so called New account will incur another rating drop Hundreds of thousands of customers transferred between amalgamated companies are being down rated by a useless system that you say takes time A good rating reduced to fair but you are blameless
D

Pushing up-selling and inaccurate info

Confusing app that prioritises up-selling other products instead of giving me my credit file front and centre Often sends email with alerts about my credit and clicking in email link doesn t take me to any alerts just more up-selling Constantly tells me I m not in the electoral role I am
K

Nice interface but months behind with info

Nice interface with lots of tips and hints BUT it lags months behind with critical updates that could influence decisions from potential lenders I paid all my credit cards off an Olympic challenge - Experian reported this in days and my rating sprang to Excellent Credit Karma on the other hand was like watching paint dry It took months of playing catchup Good luck trying to complain Not good at all In this market you re either on the ball or damaging the game - this is damaging IMHO
I

It s over complecated

It s over complecated info is so far out off date i e showing debt owed when not even used that card in a year and is clear Contact is a waste of of time lost count how many times I at to put my information in and keep going round in circles App is a waste of time of time
P

Credit Karma can be quite spammy

Credit Karma can be quite spammy and it seems like the recommendations it gives have more to do with selling products Get a loan Sign up for a new credit card than actually giving sound financial advice Most credit card companies in their mobile apps allow you to see your credit score without the need for a third party like this To me Credit Karma gamifies credit in an unhealthy way Sure it s useful to see your score but seems unhealthy to be following micro-trends of your weekly updates My advice would be to be aware of your score using an app you already have and not get sucked into the endless notifications including Login as you may have won from Credit Karma and then put into place sound financial practices
M

It s ok for a basic insight

It s ok for a basic insight But always trying to coerce me into getting more credit just so I can borrow more without going over 25 of my limit Updates are so far behind actual account usage I paid my credit card off and it didn t register it for nearly 1 month Now I m not a muppet but there s people out there that will follow their suggestions getting more and more into debt just to try and improve their credit score A good credit score is no guarantee that you will be given credit or the amount that you need It will help but not always My score went from 652 to 637 because I went over the 25 limit paid the outstanding balance but it only went up to 641 As I said ok for a basic insight but beyond that It s a Meh

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Credit Score & Credit Reports at Credit Karma™ UK

United States

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