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Credit Karma: Products & Services

Credit Karma provides truly free credit scores to consumers direct from the credit bureau. At Credit Karma, they believe that free access to one's credit score and report is a fundamental consumer right. So their site allows consumers to access their credit score anytime they want for free without the sneaky "free" trials or subscription requirements. With their credit simulators, free credit scores, credit advice, and credit score comparisons, the goal is to empower consumers to more actively manage their credit and their financial health. Various types of credit cards are categorized under the following categories:-

Credit Karma: Company Background

Credit Karma was founded in June 2007 but the company was officially launched in 2008. The number of employees with which the company began was 18 and the principal of the company is Ms. Dina Nguyen. Credit Karma shows personalized offers based on consumer credit profiles and these offers are from partners and advertisers who share company's vision of consumer empowerment. In 2010 the company surpassed 2 million members as well as launched Consumer Reviews Section and Credit Advice Center. The official address of the company is as follows:-

Credit Karma

115 Sansome Street, Suite 400

San Francisco, CA 94104

Credit Karma: Customer Feedback & Reviews

Sam's Club Consumer Credit Card Review

"I logged into my online Walmart acct and preapproved for $1,200 credit limit. Most of the information on the application was alread pre-filled. I completed the remainder of the app. and was immediately approved. I went to Sams Club and applied for a membership and was pre-approved on the spot for a $1000 credit line. I accepted the offer. I had to wait for about 30 minutes because I listed my PO Box as my address. Once that was cleared up, I was approved. I have been rebuilding my credit over the last past year. All of my credit scores are in the low to mid 600's. I have some charge offs that I settled, 1 unpaid judgement and late payments in the past. I have received credit from  the following lenders since I started rebuilding my credit Capital one $30,000 car loan, Cap. one rewards card $500, Cap one. Plat. secured $300, Belk, $200, Texaco 400, Sams Club $1,200, Walmart $1000 and Pay Pal Connect $400. All of these cards with the exception of Cap One are GE Capital Cards. GE is great when you're rebuilding your credit."

Disney's Premier Visa Card Review

"Instantly approved for 5k with a credit score of 749. Any chase credit card is amazing. Great customer service and great rewards. I'm close to owning them all!"

Credit Karma: Business Credibility & Trustworthiness

Credit Karma, Inc. is assigned A rating on the standard scale of Better Business Bureau (BBB) which ranges from A+ to F. The BBB file of the company was opened on 04/18/2008 and the business is also BBB Accredited since 05/29/2008. BBB has determined that Credit Karma, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. Factors(s) that have lowered its rating are as follows:-

  • Length of time business has been operating.
Credit Karma: Website Popularity & Google Ranking is ranked #4,484 in the world according to the three-month Alexa traffic rankings. The site is particularly highly ranked in the cities of Orlando (#462) and San Francisco (#720) and visitors to this site view 5.8 unique pages each day on average. Approximately 24% of visits to are bounces and there are 2,115 sites linking back to it.

As per the statistics of, the website is ranked 1,090 by UVS Standards and has 1,821,451 unique visitors overall. Its Google Page Rank value is 6 from 10 possible points.

Credit Karma: Social Media Presence

The company has its social media presence on various popular platforms like Facebook, Twitter, Google Plus and Pinterest. On Facebook, the company's page is liked by 35,119 people whereas on Twitter there are 6,856 followers accompanied by 9,207 tweets. On Pinterest the page has received 92 pins and on Google Plus it is liked by 2,900 people.

Apart from the above mentioned Medias the company operates its own blog as well where the users can gain more detailed information.

Credit Karma: Website Security & Safety enables their servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and their servers, creating a private session. The connection used is 256 bit encrypted TLS 1.0 with SHA1 for message authentication and DHE_RSA as the key exchange mechanism.

According to Google Page Diagnostics, the website is free from any type of malicious content and is safe for browsing.

Credit Karma: Pricing & Packages

The users can make a saving on the Auto Insurance prices. Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet and your state insurance department may publish a guide that shows what insurers charge for different policies in various parts of your state.

Credit Karma: Shipping Rates & Policies

No Shipping Applies for

Credit Karma: Payment Methods Accepted

The credit card is the only mode of payment accepted by the company as it tracks the records of almost all types of credit cards which include VISA, MasterCard, American Express and Discover. It does not have any checkout methods or any other modes of physical payment like checks, money orders.

Credit Karma: Returns, Refunds & Exchange Policy

For the first time, you can get a truly free credit score with no hidden costs or obligations. And the only charges computed are associated with Insurance Section only and hence, no chance of return arises in case of maintaining credit card savings. All the functions are available free of cost which is a great advantage from the point of view of users.

Credit Karma: Product images & screenshots
Credit Karma Coupons
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