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Credit Karma - Credit Score

Credit Karma, LLC · 94,886 ratings · ★ 4.7

4.7
★★★★★
94,886 ratings
5 ★
75,477 (80%)
4 ★
17,252 (18%)
3 ★
0 (0%)
2 ★
0 (0%)
1 ★
2,156 (2%)
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Top complaints - extracted from 10 negative reviews

Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.

1
"credit"
4 negative reviews mention this · 40% of all complaints
★★★★★ "CK: Use some of your available credit to improve your score. Me: *Uses some of my available credit* CK: Your credit card balance went up and that lowers your score. Me: 🙄..... CK email: Something changed in your credit report. Click here t…" - Joe Baker
2
"score"
3 negative reviews mention this · 30% of all complaints
★★★★★ "CK: Use some of your available credit to improve your score. Me: *Uses some of my available credit* CK: Your credit card balance went up and that lowers your score. Me: 🙄..... CK email: Something changed in your credit report. Click here t…" - Joe Baker
3
"saying"
3 negative reviews mention this · 30% of all complaints
★★★★ "always refuses to log in saying I have a vpn . for months now it constantly states I need to remove my VPN to login, I do. ot have a vpn on tgis device. it needs to stop sending me notifications and emails if it will not allow me to check a…" - Andrew Suppa
4
"emails"
3 negative reviews mention this · 30% of all complaints
★★★★ "always refuses to log in saying I have a vpn . for months now it constantly states I need to remove my VPN to login, I do. ot have a vpn on tgis device. it needs to stop sending me notifications and emails if it will not allow me to check a…" - Andrew Suppa

📋 All 10 negative reviews

Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").

★★★★ Andrew Suppa 6/27/2026 v25.42
always refuses to log in saying I have a vpn . for months now it constantly states I need to remove my VPN to login, I do. ot have a vpn on tgis device. it needs to stop sending me notifications and emails if it will not allow me to check anything. I cant even log in to change my notification preferences, so im going to have to start marking them as spam/suspicious emails.
★★★★ Nicholas Chilton (Nic) 6/23/2026 v25.42
Too much focus on advertising and trying to get you to open new credit. To get to view your credit report is bias a single link hidden amongst the ads. Viewing your full credit report should be on a main menu and easy to find.
★★★★ Johnathan Morris 6/19/2026 v25.42
App is unusable. I can't login, it keeps saying I'm on a VPN but I'm not
★★★★ Kimberly Hall 6/17/2026
cant ever sign in always says need to take off vrn and I don't have one
★★★★ Viktor Ristic 6/16/2026 v25.42
Please please make notification settings more granular. i dont want these "Were not being needy but..." emails and reminders. But turning them off would come atthe expense of not being notified if someone opens an account under my name? Doesn't make any sense, and its driving me nuts. will have to look to alternatives if this doesnt get improved
★★★★ Damien Cox 6/12/2026 v25.42
doesn't work no matter how much information you put in
★★★★ Don Eungblut 6/10/2026
Credit Karma is always telling me how much interest I could save through balance transfers - but I've never paid interest and never will because I automatically pay the total balance on each of my credit cards every month
★★★★ west parker 6/9/2026 v25.42
Constantly encourages you to take out credit, recommends credit and loans with rates far better than the ones you get once you've gone through the application process with the lender, recommends loans with success chance far higher than is actually true. I've applied for, and had to cancel, credit card applications with appalling rates compared to what Credit Karma suggested, and applied for a loan with 90% chance of success rejected, which has lowered my credit score. I'm worse off due to CK.
★★★★ Steve Bubble 6/8/2026 v25.42
gets slower and slower to show your details after opening. plus you get stupid emails saying your score has changed, so you check, wait ages for the app to update, and find no change has happened... annoying
★★★★★ Joe Baker 6/28/2026 v25.42
CK: Use some of your available credit to improve your score. Me: *Uses some of my available credit* CK: Your credit card balance went up and that lowers your score. Me: 🙄..... CK email: Something changed in your credit report. Click here to take a look. Me, clicks link: OK, what changed? CK: Not telling you haha, you'll have to try and spot that for yourself. Me: 🙄

Sentiment summary

98%
Positive (4-5★)
0%
Neutral (3★)
2%
Negative (1-2★)

✓ Strong positive sentiment - clone path is harder, users like the existing app.