My Credit Karma Review

by Jason Butler on April 6, 2016 · 0 comments

reviewI’m sure many of you have heard of Credit Karma before. It is a free credit and financial management platform for U.S. consumers. Credit Karma provides you with credit scores and credit reports from Transunion and Equifax. Credit Karma is one of the resources that I use when it comes to evaluating my credit. Today, I will give you a brief overview of their site.

When you log into Credit Karma, you are shown your dashboard. Your dashboard shows you your Transunion and Equifax credit scores. It also shows you potential opportunities for credit, your account profile, your account balances, the overall credit card utilization that you have and a couple of related articles.

There are also tabs that lead to other sections of the website on the top of your dashboard and on the left side of it. Below are explanations of each tab.

Top Tabs

My Recommendations

The my recommendations tab has several credit card offers that are recommended for you based on your credit score. The cards on this page are ranked by approval odds. They start off ranging from very good to fair.

Credit Card

The credit card tab shows you more credit card offers. They have all types of cards such as balance transfer cards, cash back cards, and business cards.


The loans page shows you personal loans that you may qualify for. Like the credit offers, they are also ranked by approval odds. They also explain to you the details of the different loans.

Car Savings

This page shows you auto loans that you may qualify for.

Debt Solutions

The debt solutions tab shows you debt relief options that you may need. Some of the options that they have are credit counseling, debt consolidation, and bankruptcy.


The next section is called reviews. In this area, Credit Karma members review the financial products that the site recommends. There are hundreds of reviews on multiple products. If you have questions about anything, your answer will probably be in the reviews.


The next tab is titled community. In this area, you can discuss credit topics with the Credit Karma community.


This tab has articles that can help you understand credit topics better.


The next section is called tools. It has several financial tools that can help you get a better understanding of things. Some of the tools that they have are a debt repayment calculator, simple loan calculator, and a credit score simulator.


This section shows you the interest rate trends for mortgage loans, credit cards, and auto loans.


The blog section has the same info as the articles section does.

Side tabs

Below is information about the side tabs which is located to the left of the dashboard.

Credit Factors

The credit factors area shows you your credit scores. It also shows you what can impact your score.

Credit Reports

This section shows you your Transunion and Equifax credit reports.


This tab links you to the my recommendations section that I discussed earlier.

Track Spending

This tab allows you to connect your accounts with Credit Karma so that it can show you your spending habits.

Credit Score Simulator

The final tab is the credit score simulator. It has a lot of options that you can choose from. A couple of things that you can simulate are changes in credit card usage and changes in your credit card limits.

As you have read, Credit Karma does quite a bit. Sign up for it today if you are trying to get your credit in order.

Have you used Credit Karma before?

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