Additionally, Capital One has a partnership with Plaid and was impacted by the lawsuit. To help you find the best alternative that provides the features most important to you, we have gathered a list of Credit Karma’s top competitors and explored the services they are best at. Each week our editorial team keeps you up with the latest financial news, shares reading recommendations, and provides useful tips on how to make, save and grow your money. It is also worth noting that MyFICO does not offer any kind of trial period, nor do they offer a refund period. Since CreditWise is already funded by Capital One’s other products, it is much less spammy than Credit Karma (and other competitors) which generate revenue by selling you additional products.
Similar apps
One downside to a free account on Experian is the various confusing upgrade pages. On a personal note, I use Experian, and the constant “upgrade now” pop-ups are very annoying. The developer, Credit Karma, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
- Now she has a friendly competition going with her husband to see who can reach an 850 credit score first.
- One downside to a free account on Experian is the various confusing upgrade pages.
- Additionally, Capital One has a partnership with Plaid and was impacted by the lawsuit.
- If you don’t meet either qualification in a given month, you will pay the fee.
- I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up.
If you don’t meet either qualification in a given month, you will pay the fee. The $58 million dollar settlement against Plaid affected numerous Credit Karma customers as well as users of other apps that use Plaid’s services. If your focus is on credit and identity monitoring and you don’t mind paying a fee, then MyFICO might be the best choice. In addition to their free basic service, Experian offers several upgraded options for a fee. So when looking at the alternatives, you’ll want to focus on the products/services that are most important to you.
About this app
They offer free access to your TransUnion and Equifax credit reports and scores (Vantage). They can monitor those reports and alert you of any changes. MyFICO’s access to credit scores and reports is done on a subscription basis. The company that invented credit scores has its own credit monitoring service called MyFICO.
These Credit Karma alternatives offer a range of free financial services similar to what Credit Karma provides, including credit monitoring, credit scores, and checking accounts. This credit bureau offers its own free credit monitoring service. And, being one of the 3 major credit bureaus, you’ll know that the credit information they display is the same as what appears on your full Experian credit report. Credit Karma is one of the first credit monitoring websites created to offer free credit scores. Founded in 2007, they now provide various services, including credit monitoring, banking, and loan matching. And, since CreditWise is backed by Capital One, you can explore all of their banking products, including checking accounts, auto loans, credit cards, and more.
If the credit bureau makes a change to your report, you’ll see it on Credit Karma after we get the updated information from the bureau. Keep in mind that Credit Karma isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information. One area where Credit Sesame beats out Credit Karma is with their premium subscription options that let you monitor all 3 of your credit reports for a monthly fee. Credit Sesame also offers Sesame Cash, which includes a zero-fee online checking account. This checking account can then be used to fund a credit-builder account which lets you set your own utilization rate.
All subscriptions include full reports and FICO credit scores, which neither Credit Karma nor most of their competitors offer. Plus, their thriving online community is a real plus. First Credit Karma may give you “some kind of idea” where your credit is. Second they have a feature where you can use credit karma money. I opened it when I did my taxes last year as credit Karma and Turbo Tax partnered up.
Credit karma is a must!!
To maximize your credit score increase you need to choose the best rent reporter for you. With Credit Karma, you never have to worry about paying a dime. But that doesn’t mean their services will be best to meet your needs.
Credit Karma Product Blog
They have to “contact you back.” And then they never do. And until Turbo xcritical decides they aren’t partnering with Credit Karma stay Away from them. This credit monitoring app backed by Capital One bank is 100% free to use and is already enabled for anyone using a Capital One credit card or other product.
They informed me they can’t open a new one or the old one. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced. They won’t let you speak with a supervisor immediately.
The CreditWise website and app give you access to your TransUnion credit report information and a VantageScore for free. In fact, all xcritical reviews of the tools and resources provided are 100% free. There was also a privacy issue with Plaid; the company Credit Karma uses to link to your external bank account(s). Plaid was accused of obtaining more account information than needed, including the login information for users’ bank accounts. Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs.
Founded in 2010, Credit Sesame started out as a credit monitoring website. Their portfolio of products has since grown, yet most services remain free to use. It is worth noting that Credit Karma has had some recent legal issues. This includes a lawsuit filed by the FTC, where Credit Karma agreed to pay $3 million to customers who were denied credit after receiving pre-approved claims from Credit Karma.
Well I had my paychecks set up to Credit Karma Spend. I called Credit Karma they informed me my account xcritical website was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes.
If you are looking for some basic, free credit monitoring and loan comparison services, Credit Karma could be a good fit. One of the best potential credit monitoring moves is to use Experian and Credit Karma so you can have free coverage of all 3 credit bureaus. Additionally, Experian offers advanced credit monitoring while Credit Karma does not; unfortunately, access is fee-based. Credit Karma isn’t the only name in the game when it comes to credit monitoring or online banking services. That said, there are few other platforms that offer such a wide range of services.