Intuit Credit Karma
1.7
According to the opinion of 3 users
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Intuit Credit Karma Review
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Intuit Credit Karma
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I've been using Credit Karma Canada, and I have mixed feelings about it. On the one hand, it provides free credit scores and reports, which is fantastic if you're trying to keep a close eye on your financial health. The website is fairly easy to navigate, and it doesn't take long to find the information you need. Their Credit Score Simulator tool is particularly interesting, as it allows you to see how different financial decisions might impact your credit score. This feature can be a real eye-opener if you're planning on making significant financial moves like applying for a mortgage or car loan. However, there are some drawbacks. First, the scores provided are VantageScore, not FICO scores, which are more commonly used by lenders in Canada. This means that the score you see on Credit Karma might not be exactly what a bank or loan provider will see when they pull your credit report. Additionally, the site is loaded with ads and recommendations for credit cards and loans. I understand that this is how they make money since the service is free, but sometimes it feels overwhelming and slightly pushy. I've also noticed some discrepancies on my credit reports between what Credit Karma shows and what is shown on the reports directly from the credit bureaus. This makes me question the accuracy of the data provided. On the positive side, their mobile app is convenient, and the push notifications about changes to your credit report are a nice touch. Overall, if you're looking for a free and easy way to check your credit score and reports periodically, Credit Karma is a decent tool. Just be aware that the score might not be the same one your lenders will see, and take their recommendations with a grain of salt.
Date of experience :July 22, 2024
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I recently tried out Credit Karma to get a better understanding of my credit score, but honestly, it was quite disappointing. First off, the interface is not user-friendly at all. It's cluttered with too many ads, which makes navigating through the site a nightmare. I ended up clicking on ads more times than actually getting useful information about my credit score. Also, the information provided is not very accurate. I checked my credit score through my bank the same day I checked on Credit Karma, and there was almost a 50-point difference. That’s a huge discrepancy and makes it hard to trust the scores they are giving out. Another annoying thing is the constant notifications and emails. I started receiving multiple emails a day after signing up, most of which were just promotional content and not even related to my credit report. I get it, they need to make money, but it's excessive and comes off as spammy. Also, the customer service is basically non-existent. I tried reaching out with a question and got an automated response that didn’t address my problem. It feels like they just want to get you signed up and then leave you to fend for yourself. Finally, the recommendations for financial products like credit cards and loans felt very biased. They are clearly pushing certain products over others, which makes me question how unbiased their advice really is. Overall, I wouldn’t recommend this service if you are looking for reliable and accurate information about your credit score. There are better, more straightforward options out there that won’t bombard you with ads and spam emails.
Date of experience :March 11, 2024
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Intuit Credit Karma
655 visits this month
3285 total visits
Don't ask for an opinion
Unclaimed profile