Credit Karma: Legit or scam?
December 28, 2011 in Random Bakwaas
After hearing about this from a few people and seeing the ads on TV I decided to give it a shot.
I have to say though, I was extremely doubtful going into this. These sites usually find a way to scam you into a “trial period” for free, and then start charging you monthly. The thing with Credit Karma though is they never asked me for a credit card. How can they charge me, if they have no form of payment? Well it turns out it actually IS free.
I typically use Freecreditreport.com (which apparently works with Equifax, and Credit Karma with TransUnion) and the scores differed by about 20 points but this is to be expected. Any time you pull your three bureau reports there will be a slight variance.
I presume Credit Karma is making there money off the ads on there site.
I am still a bit doubtful and will continue to use Freecreditreport.com for a few more months, but if Credit Karma continues to be free and provide accurate info (I compare it with freecreditreport.com frequently) then I would be stupid not to go with the free option. And I’m sure other copycat sites will pop up as well.
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