Do you want to see your Credit Score? Of course, Credit Karma allows you to do that, you have to log in to see it. In spite, you knowing that Credit Karma keeps you up to date on that important credit score.
Are you aware that it also informs you of potential credit breaches and provides tools that help build your credit score?
This page discussed how you can log in Credit Karma to check either your Free Credit Report, credit karma monitoring and most importantly how to signup a new account (in case you’re a new user).
How to Login Credit Karma Account Online
Logging into your Credit Karma will require your email address (which is associated with the account) and password – to grant you full access to your account.
- Visit the main site https://www.creditkarma.com/ and click on the “Login” link at the top of the page. Or use the main login Credit Karma portal to redirect you to the page now.
- Enter your email and password.
- And, click the “Log in”
Please note that you can instruct the page to save your login information (email and password) so that to quickly login in without having to fill the form. But not advised to check the box if you are using a device that isn’t yours.
On logging into your account, you should be able to see your score.
Checking Your Credit Score
Now many may be wondering what Equifax and TransUnion it’s all about, let’s make it clear for our understanding before we continue.
EQUIFAX: Equifax incorporated is a data analytics and technology company that assists organizations and individuals in making informed business and personal decisions.
TRANSUNION: TransUnion is an American consumer credit reporting agency, TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including “200 million files profiling nearly every credit-active consumer in the United States”. Its customers include over 65,000 businesses.
Now as a consumer it’s important to get the right information so you can make sound financial decisions. The first step is to be aware of your credit report and score.
From my findings, you can get one free credit report from each of the two major bureaus I mentioned above (TransUnion and Equifax) once every 12 months from annualcreditreport.com however this site doesn’t provide credit scores, or more specially fico®scores.
This is reported as a soft inquiry, so it won’t lower your scores. You can check your credit karma scores from TransUnion and Equifax for free without affecting your credit scores, no credit card is required in the sense that as long as you are using “Credit Karma to check your scores” a credit request is being made on your behalf which is called a “soft-enquiry”, and it won’t affect your credit at all.
Other Credit Karma Tools
Let it be known that credit karma is more than free scores and reports. You will also have access to tips, tools, and resources that can help you improve your financial health, such as;
Credit score simulator: it enables you to see what might happen to your scores if you make certain financial decisions.
Direct Dispute: if you notice an error on your TransUnion report, you can submit a dispute without leaving credit karma.
Product recommendation: we will analyze your credit profile and show you loans and credit cards that might help you save money
Some few steps to get your Free Score When Login Credit Karma
- Once you have created an account with credit karma, signing up takes just a couple of minutes
- You’ll get your credit scores from TransUnion and Equifax and they will show you factors that can impact your scores
- They’ll point out important items to help you understand what’s in your report.
- You even have the privilege of making money if you take an offer from one of their (Credit Karma) advertising partners, these offers might help you save money based on your credit reports and profile.
If this information was helpful to you tell others and if you face any challenge it on the comment box below so that we can serve you better.