The app reports factors that affect your credit score, including credit card utilization and payment history. Users report that Credit Karma's scores are very close to their actual FICO scores. The app uses information from TransUnion and Equifax to estimate your FICO score. I compare the best do-it-yourself credit monitoring apps and show you which one is best for your needs.Īccording to users, Credit Karma's scores are close to their actual FICO scores.Ĭredit Karma is being honest when they say they will never ask you for a credit card. That's why it is so important to keep your credit and credit report free of errors and fraud. What's in your credit report and the status of your credit can have an impact on where you work and live.
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