Very User Friendly!
Direct and straight to the point!
I really like the feature that allows you to review and dispute a claim if it is not actually your own bill or already paid, very very helpful (we all know the run around we get when claiming a dispute with old bills that should have reconciled and or were never yours to begin with can be very time consuming and daunting and this app absolutely assists in providing relief in that specific area.)
In addition, speaking for myself, (after a health problem) I have had some issues with processing information and understanding cognitive actions that need to be taken and this app definitely has been a weight lifted off my shoulders in the financial understanding department of my own life and I really appreciate just how simple and direct this app actually is.
I would recommend this app to anyone of any age and I wish I had not been so apprehensive to try it when I heard about it in the first place because it really has assisted me in my comprehension on my financial reports and credit score and how to improve it.
I really like the feature that allows you to review and dispute a claim if it is not actually your own bill or already paid, very very helpful (we all know the run around we get when claiming a dispute with old bills that should have reconciled and or were never yours to begin with can be very time consuming and daunting and this app absolutely assists in providing relief in that specific area.)
In addition, speaking for myself, (after a health problem) I have had some issues with processing information and understanding cognitive actions that need to be taken and this app definitely has been a weight lifted off my shoulders in the financial understanding department of my own life and I really appreciate just how simple and direct this app actually is.
I would recommend this app to anyone of any age and I wish I had not been so apprehensive to try it when I heard about it in the first place because it really has assisted me in my comprehension on my financial reports and credit score and how to improve it.
Show less
I Love Credit Karma
I can’t tell how much I just live CK! Honestly, is so so so much better than dealing with massive 20+ page reports from the credit bureaus. CK is user friendly and I can see my whole credit profile in one place. If they would and the other credit bureau and even business credit profiles that would make them even better. Since finally downloading the app and creating my account my credit score has resined. I’m still a long way away from where I wanna be, but baby steps. As I write this (Jun 24, 2018) I still need my new car to be reported and get rid of my ugly 24% interest rate and upside down car balance. My new lease and 0-6% interest rate should jump my credit scores up significantly and by November of next year my nearly $80k student loan debt will drop off too! Well at least that’s the perceived idea anyway. My credit is on the rise finally and after 7 years of under bankruptcy and years of financial mistakes (no credit cards) and debts keeping my credit down, I’m now on the rise and thanks to Credit Karma, I’m finally doing and learning who to improve my scores and stay out of debt and bad financial decisions. Thanks CK! Love for real!
Show less
A benefit everyone should take advantage of—
By all means, free access to view ones credit score is a huge advantage for anyone looking to get ahead with regards to their financial health! Keeping track of your score, in addition to watching your spending habits makes for a great chance of improving ones credit worthiness.
The only complaint I have is for the app itself, not the service. Being a credit monitoring app, one which focuses entirely on your credit score, it’s somewhat disappointing that the only real support they give you in learning about credit scores and the different factors are through 1-2 sentences that briefly describe the most basic of definitions of things. Being such a pivotal factor in lending worthiness, I do wish that the app provided more educational features for users so that they can get a grasp of all the terms and the way the score is calculated to allow for a quicker experience in the app. Or rather, a recommendation section that shows your detailed report and what you can do to improve your score.
The only complaint I have is for the app itself, not the service. Being a credit monitoring app, one which focuses entirely on your credit score, it’s somewhat disappointing that the only real support they give you in learning about credit scores and the different factors are through 1-2 sentences that briefly describe the most basic of definitions of things. Being such a pivotal factor in lending worthiness, I do wish that the app provided more educational features for users so that they can get a grasp of all the terms and the way the score is calculated to allow for a quicker experience in the app. Or rather, a recommendation section that shows your detailed report and what you can do to improve your score.
Show less
Great Advice!
I had no idea what my credit was doing. I had my identity stolen 20 years ago and there wasn’t really anything I could do about it. I joined credit karma years ago to see my free score and never really looked again until last July. You see my husband and I decided we needed to stop renting and buy a home, but that takes credit. I found cards that had approval odds, info about accounts that didn’t belong to me and the accounts that did. I was able to dispute the accounts that didn’t just with a few pushes of a button. I received a hard copy of my credit report which showed when my bad credit occurred and when it would drop off. I was able to apply for and get approved for a credit card to start rebuilding my credit with a few pushes as well. Now I pay closer attention. I know when my score goes up or down and I feel like I’m in control again. I get advice on how to keep the score going up and I think I have a chance to get my credit to a position that will help me actually buy a house.
Show less
Pay off creditors from in-app; add a feature to figure out which score apply when
You show the Collection Agencies & amounts, but not the phone number and/or a direct link to pay that creditor off. It’d be very helpful to include to phone number & the Collection Agency acct # so users can more quickly pay off & remove from credit the negative-aka; not in good standing-accounts. Also, as the two scores are different & the 113 point difference is making it hard for me to know what scores are used for what things. For example, my credit card uses CreditWise, which matches the lower score on the left side screen, not the high score on the Right side of screen. If I want to get a lease or mortgage, which is used? Are my credit card options based on the lower score? And how do I get a lower APR% recommendations? Maybe you could add an in-app purchase of one’s FICO score or at least add mortgages, loans, & a way to make sure the student loans you don’t have to pay aren’t held against you, making it look like you have more credit debt that you actually have to pay-even if they are in good standing.
Show less
