Track Your Credit Score for Free With Credit Karma — Here's How It Works

Sign up for Credit Karma for free to access your credit scores and monitoring tools to help you stay on top of your financial health. No fees, no hidden costs, just a clearer picture of where you stand financially.

Online Deal at Credit Karma

Credit Karma Account

$0.00

What to buy

1 Credit Karma Account, $0.00

Get Deal at Credit Karma

Report an issue

How to get the deal:

• Visit Credit Karma's website to claim your offer

• Click "See My Scores" to continue.

• Create your account by providing your email address and creating a password.

• Answer a few questions about yourself and verify your identity to complete your account setup.

What is Credit Karma?

Credit Karma is a financial technology company that provides consumers with free access to credit scores, credit reports, and personalized financial recommendations. It also offers tools to help users monitor their credit and explore products such as credit cards and personal loans.

The fine print:

Bottom-line cost: Credit Karma is free to sign up for and doesn't charge to access your credit scores, reports, and credit monitoring.

When will I be charged? Never. You don’t need a credit card to sign up, so there’s nothing to bill.

Which credit scores do I get? You’ll see your VantageScore 3.0 credit scores from TransUnion and Equifax. Lenders often use FICO scores instead, so your numbers may not match what a lender sees.

Do I need to cancel? No, since it’s free, there’s nothing to cancel.

How do I close my account? If you no longer want to use Credit Karma's free services, you'll need to log in through the app or website and open Profile or Profile & Settings. Scroll to the bottom of your personal information page, select Close my account, choose a reason if prompted, and confirm by selecting Yes, close my account.

FAQ

Is Credit Karma really free? Yes, it’s free. You don’t need a credit card to sign up, and there’s no trial that turns into a paid plan. Checking your scores, viewing your reports, and getting credit monitoring alerts won’t cost you anything.

Does checking Credit Karma hurt my credit score? No, because checking your own score on Credit Karma is a soft inquiry. Those don't appear on your credit check history, so you can check it as often as you wan't.

What information do I need to sign up for Credit Karma?

You'll need to provide your name, address, date of birth, and Social Security number. Credit Karma uses these to verify your identity and pull your credit reports from TransUnion and Equifax.

If you want access to more deals, download the KCL app now.