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%
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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 Users appreciate the free access to credit information and alerts, but some criticize the app for outdated data, confusing recommendations, and customer service challenges.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  • Outdated information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

A

Convenient Access with Room for Improvement

Credit Karma offers a convenient way to peek into TransUnion s data vault The app s sleek design and user-friendly interface make perusing your credit info surprisingly pleasant However those pre-approved loan emails can be a buzzkill It s frustrating to open the app only to find out you re not eligible for squat Credit Karma needs to step up their game and ensure they re not just throwing out pre-approval emails based on scores alone Actual eligibility checks would save us all from the disappointment dance Overall Credit Karma s cool but there s definitely room for improvement especially in tailoring those offers to actually match our profiles
M

Most of the time the information

Most of the time the information provided is incorrect never been in red never missed a payment on any bills or credit card in my life and the numbers keeps dropping for no reason With a credit history of nearly 40 years no mortgage for last 27 years I expect a better credit score
C

It is good that it informs people of

It is good that it informs people of unusual activity but daft that your credit score goes down because you never default on your credit cards and pay them off every month have no mortgage or any other debts It also suggests you take on debt which you don t need
M

Fails to Update Personal Information for Weeks

Constantly weeks behind on my personal financial information and then seems to go into a 3 week stretch where they update nothing Still showing a balance on a credit card that I had paid off and have totally ignored a 2 000 credit increase on one of my credit cards Some good features but they really do need to get their act together or I will soon be deleting their app
S

This Company what a joke

This Company what a joke Does not keep Up To Date accounts of your spending balances I ve had to file reports on them several times These are meant to be a reputable company showing your capability and reliability of paying debts off yet they Fail to keep track of your monthly Payments Dont trust them
G

Okay for a snapshot picture

Okay for a snapshot picture but could be better e g You spend a lot on your credit cards and your score plumits despite having 30 odd years of always paying off full credit card amount Also you open a new credit card account and get warnings not to open any more accounts within 6 months and then get bombarded with recommendations of new credit cards
B

Credit Industry Overhaul

I really think the whole credit industry needs a thorough overhaul Scores are incorrectly applied in my opinion and how are you supposed to gain better APR credit cards if you are dissuaded from applying for credit to better yourself I understood after the credit crash things had to change but it has become too severe Look at all the people who cannot obtain a mortgage now Rant over from an excellent credit holder
M

Credit when credit is due

Very useful for checking on activity like credit searches etc but scoring system is simplistic and not holistic Also tells you how to improve your score e g by not applying for credit in next six months and then encourages you to apply for exactly that I was closing in on the top score when a disputed contract with a mobile phone company dropped my score by 10 even though every other account is up to date and I ve settled accounts without missing any payments in five years Could do much better to support users
B

Unnecessary Changes

I start with dislike unnecessary too much fluctuations shown in credit rating when on grounds things remained steady Unlike Clear Score don t keep changing your credit score in every couple of months unless There is real change in circumstances of persons Like nothing much when it is core purpose is defeated
D

Useful for keeping an eye on my credit rating BUT

Useful for keeping an eye on my credit rating which is what I want But I do not like constantly being bombarded with suggestions for new cards and loans It might be useful to have those suggestions available if required but daily push e-mails are extremely annoying

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Credit Score & Credit Reports at Credit Karma™ UK

United States

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