Credit Karma™ provides truly free credit scores to consumers direct from the credit bureaus. Your scores are retrieved securely with no hidden fees.
Credit Karma™ doesn’t pull the typical ‘Know Your Credit Score!’ by baiting potential users for a free trial and then charging them for monthly service fees after the trial period is over. The Credit Karma™ mission statement notes that they feel consumers should be able to determine scores for free, and subsidizes the cost of operating this service by selling advertisements and promoting offers on creditkarma.com.
It is my understanding that checking your own credit score doesn’t have an impact on your credit score. After following my own since October 2008, I can confirm this. My credit score has gone up 89 points in just 10 months! For a household that struggles to maintain order and works hard to limit frivolous spending, Credit Karma provided our progress with a visual result.
How Credit Karma™ Works
Credit Karma™ is always free and will never charge for access to credit scores or its interactive tools. Credit Karma™ works by selling advertising on the site and using those advertising revenues to pay for the credit score costs. Rest assured, Credit Karma™ NEVER sells or shares your private information as part of our strong belief in consumer advocacy. View what others are saying about us in the press.
If you aren’t sure you want to join I encourage you to read up on their blog or follow them on Twitter.
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