Credit Karmic Shift: A Review of CreditKarma.com

Credit lending is serious business – nothing else legal in this world has let people spend quite as much money as credit has. If you are a responsible consumer, your credit is something that needs to be maintained and taken care of… kind of like a lawn. If it’s too high, people won’t trust you. If it’s too low, nobody will respect you. Bad puns aside, because the credit lending business is serious, the credit score-checking business also is.

Because of this fact, many companies have created easy-to-use software to make it easier to keep track of your credit score. One such service is known as Credit Karma.

Upon looking for reviews of this website, it is hard to find negative reviews of this service. You go to the website www.creditkarma.com, where you sign up. Upon signing up, you enter some private information (which is really one of the only negatives of the free service, but it makes sense. Just be careful who you give your information to, especially on the internet), and you instantly have access to your credit information.

However, one caveat emptor is that the score they provide is not your real credit score. They calculate the score they provide based on the factors that would normally affect your official score. One reviewer reported that the score Credit Karma gave him is usually slightly higher than his real one.

There are a few factors that separate Credit Karma from the other credit score services. First and foremost is the fact that it lets you compare your score to the national average. The service also lets you see how credit lenders generally feel about your type of score. Credit Karma also gives you a graph to see at what point your score lowered or increased.

The best factor, however, is that the service is completely and totally free. Upon the writing of the review I am citing, the service bragged having 275,000 users and having reported 850,000 free credit reports.

According to the reviews I managed to find online, Credit Karma appears to be a quite legit, free, accurate credit score service.


Note: CreditKarma.com is free from the expensive credit monitoring services that most commercial free credit score providers push as a condition of a free score. There is no charge for this service and no automatic enrollment in any other service.

Chris Buchheit

Chris Buchheit

Chris Buchheit was born under the hot Floridian sun during some year in the 1980s. There he studied school matters until moving to North Carolina in 1999. Possibly due to the fact that his mom had enough of him being inside all the time, he quickly got involved in community affairs via the Boy Scouts of America, where he learned the values of citizenship, morality, duty to God and country, and that the biggest kids get to boss around the smaller ones. Chris attained the rank of Eagle Scout in 2004, and still values the rank as one of his proudest achievements. Beginning in 2006, Chris began attending the University of North Carolina at Chapel Hill, where he quickly learned the value of basketball and poplar trees. Since attending UNC, Chris has been double majoring in Asian Studies, with a concentration in Chinese, and Political Science. When he isn’t slaving over his honors thesis, looking up a bunch of Chinese Characters, volunteering, or mindlessly browsing the same websites over and over, Chris enjoys writing short stories and novels. Much to his roommates’ annoyance, he also spends his free time learning to play the guitar. Above all else, though, Chris values God, his family, and his friends. For the future, Chris plans to apply to Georgetown to further his studies in Political Science, hopefully with a concentration on China. Pending acceptance into Georgetown, Chris would like to study while gaining professional experience in a government job in Washington DC.
Chris Buchheit

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