What Is Credit Karma and How to Use It?
- 23 May 2022

Credit Karma is a service-based company that provides consumers with the opportunity to assess their credit, identify credit risks, and track their credit progress. The company provides more than a credit score, they provide credit reports, credit monitoring, and credit education. Credit Karma is a company that helps consumers to improve their credit by working on their credit reports, identifying credit risks, creating and sticking to a budget, and staying out of debt.
Step-by-step guide How to use Credit Karma
- Sign up for the Credit Karma dashboard and input your personal information.
To sign up for Credit Karma, you’ll need to provide your name, birthday, gender, and Social Security number. You’ll also have to enter a valid email address, password, and state of residence. If you don’t have a Social Security number, you can use an Individual Taxpayer Identification Number (ITIN) instead.
- Link your financial accounts.
Credit Karma will pull your credit reports from Experian, TransUnion, and Equifax and provide you with a free credit score. You can also see “vital signs” for your credit, such as your credit utilization and average age of accounts.
- Get a free credit report.
Credit Karma also gives you access to your credit report from all three major credit bureaus. This can be helpful if you’re trying to find errors that could be hurting your credit score.
- To access your credit report, click the “Free Annual Credit Report” button on the dashboard.
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