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Is Credit Karma Safe, Legit or Scam? 5 Ways to Know

You might be wondering if Credit Karma is safe. If you are, you have every reason to be.

After all, when you sign up for a credit monitoring service, like Credit Karma, you’re also submitting sensitive and personal information such as your social security number, address, date of birth, etc.

So you want to make sure the company is secure and trustworthy and that your information is protected.

Plus, knowing what your credit score is and monitoring it regularly to make sure every thing is accurate before you apply for a loan or a credit card, is the right thing to do. 

But if you haven’t heard of Credit Karma before, how can you tell if it’s safe?

There are ways to find out, such as Credit Karma reviews, to make sure the company is legit and not a scam.

If you’re looking for a free credit monitoring service you can trust, Credit Karma is the right one for you. Just click here to get a free credit score and report.

What is Credit Karma?

Before we delve into the topic of whether “is Credit Karma is safe?” you need to know what Credit Karma is.

Founded in 2007, Credit Karma is a free credit monitoring service and one of the top platforms today. As of 2016, they have 60 millions members.

They have been offering free credit score and credit report since 2008. They also offer free tax filing, credit card and loan recommendations based on your credit score. That’s really how their make money, by pairing your credit score and credit card and loan companies.

Once you apply for a credit card or a loan based on their recommendation, they get small commission.

But keep in mind that you don’t have to apply for any credit cards or loans. Most people sign up to Credit Karma just to enjoy the free credit score and credit report and free monitoring service.

So, in case you were wondering if Credit Karma is a safe, legit, and trustworthy company, the answer is a resounding “yes”

Credit Karma is safe.

Learn more about Credit Karma here

5 Ways You Know Credit Karma is a Safe and Legit Company.

If you’re not convinced yet if Credit Karma is secure, here are 5 ways to know for sure:

1. Read Credit Karma Reviews to find out if it’s secure.

One way to find out if Credit Karma is safe is to read customer reviews about their experiences with the company.

Simply type in “Credit Karma reviews” in your best search engine, and sites like will pop up.

Reviews on these sites are objective. They can help you determine if Credit Karma is indeed safe.

But know that happy customers usually don’t usually write feedback. So it’s important to keep an open mind when reading these reviews.

Get your free credit score with Credit Karma now.

2. Check Credit Karma’s BBB rating.

Part of your search “is Credit Karma safe” should include checking the Better Business Bureau rating. The BBB rating assigns business ratings from A+ to F.

If you do your research, you will see that Credit Karma has an “A” BBB rating. An A is the second highest rating you can get. So if Credit Karma has a BBB rating of “A,” you know it’s safe.

3. Talk to friends and colleague about their experience with Credit Karma.

Talking to friends and colleagues about their experience with Credit karma is just as important as reading online consumer reviews about the company to know if Credit Karma is safe.

Ask them if their experience has been satisfactory or not. It’s reassuring to know that their data and personal information were not exposed to any kind of risk.

4. Review Credit Karma’s website.

Another effective way to know for sure if Credit Karma safe is to check out their website. A company may seem legit, but some things can signal it is a scam. Here are a few things to look out for to know for sure Credit Karma is legit:

  • Is the Credit Karma’s website itself safe? A website with a green padlock, with the “https”, usually indicates that the website is secure. That means a user or consumer can submit sensitive information. In fact, Credit Karma takes security very seriously. They claim on their website that they use “128-bit encryption to protect the transmission of your data” to their site.
  • Does Credit Karma has a policy page? A trustworthy company will have terms of use and conditions pages such as privacy policy pages. Credit Karma does have this information, which can lead one to conclude that it is safe.
  • Does Credit Karma’s website offer customer support? If a company does not have any contact support or help support, it could be a sign that it’s not secure. Fortunately, Credit Karma’s website has all of this information.

Should you use Credit Karma after all?

By now, you should be convinced that Credit Karma is safe and that your data should be well protected. But should you use it after all? Are there any other alternative?

Yes, you should use Credit Karma. Not only is it legit, safe, it is also free. Another free credit monitoring services out there is Credit Sesame.

Related: Credit Sesame Review

But most other services charges anywhere from $15 to $20 a month to monitor your credit score. Credit Karma does it for free and they never ask for a credit card to sign up.

Plus, they offer free tax filing. 

Here’s the personal information you will need to submit to sign up:

  • your full name
  • your address
  • your date of birth;
  • and the last four digits of your social security number

While it might be uncomfortable for some people to give out this information, know that Credit Karma does not share your personal data to any 3rd party. The site says “we do not share your personal information with unaffiliated third parties for their own marketing purposes.”

Learn more about Credit Karma here.

Is Credit Karma safe? The bottom line

It’s never a stupid question to ask if Credit Karma is safe. After all, you will submit your personal and sensitive information when you sign up. You have every reason to know if Credit Karma is a company you can trust.

But you have nothing to worry about. Credit Karma keeps your personal information totally secure. In fact, they use a 128-bit encryption to protect your information during transmission.

Get your free credit score with Credit Karma now.


Work with the Right Financial Advisor

You can talk to a financial advisor who can review your finances (whether you need it to pay off debt, to invest, to buy a house, or plan for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

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