Introduction
Credit Karma has an established reputation as a place to get a free credit score, credit score monitoring, and suggestions for credit cards and financial products. Recent complaints from users regarding the reliability of their platform and poor customer service experience. This review will analyze the issues reported by users on Credit Karma.
Credit Karma Information
Website – https://www.creditkarma.com/
Website Availability – Yes
Address shown – 1100 Broadway, Oakland, California 94607, USA
Warned By – Not recommended by the review website like Reportscams
Domain Blacklisted Status – It seems there is no direct mention of this domain being on a blacklist.
Account Freezes and Identity Verification Issues
Many users indicated that they experienced their account freeze unexpectedly after receiving alerts regarding suspicious activity on their accounts. In many cases, users received fraud notices from Credit Karma and when they notified them back, they submitted identification or proof of identity, then waited for a response, only to experience delays and poor communication. In many of these cases, the users reported no callbacks when they were promised calls, which led to user frustration and the loss of their account access.
Misleading credit card suggestions
Credit Karma will provide recommendations for credit cards, but many users pointed out that these recommendations were high-fee, secured cards that require deposits. Many users suggest that the platform continues to repeatedly recommend the same high-fee secured card, and would like to see suggestions tailored to their needs or find better retailers, gas cards, or unsecured credit cards. These hearings leave users with questions of intent.
Incorrect Credit Scores & Poor Customer Service
Many users describe discrepancies between the credit scores shown on Credit Karma and those from the official credit bureaus. Some users point out that Credit Karma reported their scores remained unchanged for months, even during times when they participated in significant financial events. Furthermore, many describe the customer service experience as difficult, indicating it was hard to get through, poor communication, and long waits on hold, even to speak to an unhelpful agent.
Advertising & Third Party Issues
The service is also criticized for displaying potentially misleading advertisements from third-party lenders, most notably for services like autopay, where users claim Credit Karma reports the rates inaccurately or ties them to fraudulent operations.
FAQs
Q1. Is Credit Karma Reliable for Credit Score Monitoring?
Credit Karma utilizes VantageScore, which may differ from FICO scores utilized by most lenders.
Q2. Will I be able to easily contact Credit Karma customer service?
Many users report it is too difficult to reach someone responsive and helpful on support.
Q3. Are credit cards offered through Credit Karma credible?
Some users feel the offers are focused more on affiliate marketing than personalized and favorable recommendations.
Take the First Step Today
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