Credit Karma Review

Credit Karma is a free service that monitors your credit, but is it sufficient for identity monitoring overall?

By Aliza Vigderman, Senior Editor, Industry Analyst & Gabe Turner, Chief Editor
Editors Rating:
7.5 /10

What We Like

What We Don't Like

  • Doesn’t check Experian credit scores
  • No insurance options
  • No live chat or phone support options

Bottom Line

Credit Karma offers more than just credit monitoring. They also can guard against data breaches, which could potentially lead to identity theft.

Whether it’s your first time or your 20th, checking your credit can feel a little scary. If there are any unknown bank accounts started or tax refunds filed, you may have had your identity stolen, which can lead to a whole slew of other problems. Fortunately, Credit Karma identity monitoring offers a free service to monitor your credit and check the web for any data breaches involving your email. Sure, it’s free, but is it enough to protect your identity online?

In this Credit Karma identity monitoring review, we’re focusing specifically on identity monitoring, although the company also offers loans and other financial services. Is Credit Karma accurate? How often does it update? And the most important question of all, is it safe to use? We have a lot to go over, so let’s get started.

Credit Karma Identity Theft Protection Features

Dark web scan Yes
Credit report agencies TransUnion, Equifax
Identity theft insurance No
Alerts Email, SMS
Price $0.00

Credit Karma Services

Editor's Rating
Overall Rating
  • Free, weekly credit monitoring from TransUnion and Equifax
  • Data breach and dark web monitoring
  • Highly rated iOS and Android apps

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Credit Karma Features

Credit Karma Credit Protection
Credit Karma Credit Protection. Screenshot from the Credit Karma website.

Credit Karma will check two out of the three credit-reporting agencies for any changes to your report, specifically TransUnion and Equifax. Now, I’m a bit disappointed that they don’t also check Experian, as it’s important to check for errors or negative information on all three, so that’s a definite drawback right upfront. The good news is, you’ll get weekly credit reports so you can stay on top of everything.

So what happens if you do find an error? Well, if it’s on the report from TransUnion, you can actually dispute it without having to leave the Credit Karma website. This is certainly a lot easier to do from one platform, so I’m a fan of the Direct Dispute feature. On top of that, Credit Karma will also scan the dark web for the email address associated with your account, plus, they’ll tell you if that email has been involved in any data breach. Looks like I wasn’t so lucky this time…

Credit Karma Data Breach Monitoring
Credit Karma Data Breach Monitoring. Screenshot from Credit Karma website.

Oh, no, my email was involved in a breach!

Credit Karma Poshmark Data Breach
Credit Karma Poshmark Data Breach. Screenshot from Credit Karma website.

And it’s from the clothing e-commerce website Poshmark, no less! But really, there was no need to worry, as Credit Karma told me exactly how to deal with this breach (for starters, change my password).

Although breaches are relatively commonplace, we’re often not alerted when our personal information is involved, as this isn’t always required by law. But with Credit Karma’s identity monitoring, I can know as soon as my information is involved in a breach so that I can take action. They even have email and SMS alerts, which is essential because honestly, this is some pretty urgent information.

Unfortunately, Credit Karma doesn’t offer any paid options that would give you insurance money if your identity is stolen; rather, they can only tell you your credit reports and if your email was in a data breach or the dark web. In this regard, Credit Karma is missing some essential features of an identity monitoring service, which isn’t so surprising considering it’s free. Keep in mind that they also don’t monitor any bank accounts, credit cards, or investment accounts, so as far as identity monitoring goes, this service provides just the basics.

Credit Karma Privacy

Encrypted Personal DataTo sign up for a Credit Karma account in the first place, you need to put in some personal information such as:

  • Name
  • Email
  • Social Security Number
  • Address
  • Birthday

This is information I want to keep to myself, so I was curious about what Credit Karma does with my information. Do they encrypt it? Do they sell it to third parties so they can target me with ads? In this day and age, I wouldn’t put it past them!

It turns out that Credit Karma does keep quite a bit of information, from the personal information listed above to device, log and location information. However, the company does not share your credit reports, credit scores, or personal information with unaffiliated third parties, particularly for advertising and marketing. Although I wish they wouldn’t keep so much information, I’m pleased that getting free identity monitoring doesn’t have to mean a total lack of privacy.

In fact, Credit Karma actually encrypts this information using AES 128-bit encryption. Now, this isn’t exactly at the military-grade, industry standard of AES 256-bit, but I am glad that they encrypt my data in the first place. Another thing to keep in mind is the company’s physical location. Based in San Francisco, California, Credit Karma is subject to the Five Eyes, Nine Eyes, and 14 Eyes international surveillance alliances. While it’s unlikely, this does mean the that United States government could force Credit Karma to hand over customer data. This is the case with any company based here, of course, which is why it’s so important the Credit Karma encrypts customer data. Thank god for encryption!

How Easy Is Credit Karma To Use?

Credit Karma Review
Credit Karma Dashboard. Screenshot from Credit Karma website.

I found Credit Karma super easy to use. The first thing you do is set up your account, filling in the personal information I mentioned above. I actually had already set up an account and forgotten about it, which the site knew because of the matching Social Security number and birthday. From there, the website is easy to navigate. Once you click on identity monitoring, you can easily set up credit protection and data breach monitoring. They also have a section full of useful advice like password management (a topic I am already very well-versed in if I do say so myself). Overall, this website has a great user experience and made keeping my identity safe online a breeze.

Is Credit Karma Free?

Credit Karma Is FreeShort answer? Yes, Credit Karma is free! But that’s not too surprising considering how little identity monitoring services are offered. For example, if your identity is stolen, you don’t get any sort of reimbursement from the company, whereas you probably would if you paid a monthly or yearly subscription elsewhere. So while Credit Karma doesn’t cost anything, it certainly doesn’t provide the full-service identity protection you might be looking for. Still, as a free tool, credit and data breach monitoring are very useful.

Credit Karma Customer Support

Another disadvantage of a free service is the lack of customer support options. If you need help with your identity monitoring, you can only check out the online help center or submit a request to the support team. Unfortunately, there’s no live chat or phone number you can call, which is a bit of a disappointment. But I will say that when I submitted a request, I got a response back in half an hour, which is pretty good.

Of course, I don’t just want to go off of my experience, which is why I checked Amazon and Google to see what Credit Karma customers had to say about their support. On Amazon, Credit Karma has a 4.4 rating overall from 218 reviews, but unfortunately, none of them mention customer support. Google, on the other hand, was another story. The company’s San Francisco headquarters has a three-star rating overall from 89 reviews, and out of the 22 reviews that mentioned customer support specifically, they were all negative!

It seems like people shared my complaints about the lack of a phone line. Many also said emails took anywhere from days to months to answer. Google user Sheila McCabe wrote in a recent one-star review,

“Their identity verification is lax and their customer service is a joke. I decided to register for a Credit Karma account only to learn that someone else had already made an account using my personal information. If the thought of some impostor having access to all my information for who knows how long wasn’t bad enough, none of my messages to Credit Karma’s online-only support team have been addressed.”

Clearly, customer support is not Credit Karma’s strong suit.

The Credit Karma App

Credit Karma App
Credit Karma App. Screenshot from Google Play store.

The Credit Karma app allows you to check your credit and monitor the web for data breaches on the go. Fortunately, it’s highly-rated with a 4.7 from the Google Play store and a 4.8 from the Apple store. Personally, I found the app to be as easy to use as the website, and I like that you can get SMS notifications if you prefer. It’s clear that when it comes to designing a user-friendly experience, Credit Karma knows what they’re doing.

Recap of the Credit Karma Review

All in all, I’m a little underwhelmed by Credit Karma’s identity monitoring service. Without monitoring of Experian and with no identity theft insurance plans available, this service only skims the surface of identity monitoring. However, I do think it’s a good first step to get the basics of credit and data breach monitoring.

I’d only buy Credit Karma if you are fine with…
  • No reimbursements: While Credit Karma can monitor your credit and tell you when a data breach has occurred, it can’t really help you if your identity is stolen.
  • No Experian monitoring: Without monitoring from all the credit agencies, Credit Karma isn’t really doing it’s due diligence.
  • 128-bit encryption: While I’m glad that your data will be encrypted, I wish it was with AES 256-bit, the current industry standard.
But avoid Credit Karma if you wanted…
  • Great customer support: Credit Karma doesn’t have any phone or live chat support, so getting an answer could take you a while.
  • Monitoring of all three credit-reporting agencies: It’s best to get credit reports from TransUnion, Equifax, and Experian.
  • Insurance: If you were looking to pay a monthly fee that would allow you to get reimbursed, then Credit Karma is definitely not for you.

That’s it from me!

Editors Rating:
7.5 /10