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Credit Karma Review

I can’t believe I’ve been using Credit Karma [3] all these months and never wrote up a quick review of the service! I’ve done walkthroughs of their Credit Score Report Card [4], but never about the entire service. Tsk tsk, what a bad blogger I am.

Credit Karma offers a lot of nice juicy information but the only thing I’m really pumped about is the fact that you get your TransUnion credit score absolutely free. When you sign up, you have to provide a lot of sensitive personal information because it’s needed to pull your credit score from TransUnion. Since the service is free, the only barrier to using it is your comfort level with providing this information to a third party.

Here’s what my dashboard looked like:

There are several reasons why I like Credit Karma:

Here are some reasons why I don’t like it:

Overall, I’m very pleased with what they offer. If you’re wondering how they can offer this service for free, it’s because they’re supported by advertising revenue. One thing they have promised never to do is sell your personal information to third parties, which is always one of the concerns whenever you sign up for free services like this. Fortunately they’ve addressed it and put that issue to bed.

I know a lot of Bargaineering readers have signed up for Credit Karma, in part because everyone always gives them a shout in the comments, so I’m curious what you think about the service. If you have any recommendations of what they can or should do, please also share those as well.