Credit Karma: Sign Up Today for Free

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Knowing your credit score is the key to improving it. If you’re looking for a free credit score and report, you will normally have to look in different places. With Credit Karma, you can kill two birds with one stone. The Credit Karma sign up process is free and fast. So, you can sign up for Credit Karma today without getting a hard pull on your credit score.

What Credit Karma offers is a path towards credit score improvement. They offer a series of tools and steps that can help you plan your path to better credit.

Why Should I Keep Up With My Credit So Closely?

Your FICO credit score is critical whenever you need any kind of loan. It can make a huge difference in the rates you get and the lenders you can go to. Yet, it’s not that often that you can get your credit score and report for free. US law states that you are entitled to one free credit report per year. In special circumstances, you are entitled to another free credit report. Overall, keeping constant track of your credit can be time-consuming and difficult.

Why You Shouldn’t Rely On Credit Bureaus

Credit bureaus won’t give you your credit score or report for free often. If you want to use the three major credit bureaus to keep track of your credit score, you will have to pay. For example, Equifax offers an “Equifax Complete” premiere package for $19.95 per month. You can get cheaper plans for about $15 per month.

You don’t need to spend an extra $180 per month to keep up with your credit. This is where Credit Karma can help you.

Credit Karma Sign Up Process

Signing up for Credit Karma is free and easy. It takes under 15 minutes and can be done through their website. After signing up, you can get started right away.

Sign-up today with Credit Karma, and get your free credit report.

The Credit Karma Services

Credit Karma offers a simple set of services.

First, you sign up and receive your free credit score. From that point on, you will receive free credit monitoring. The company receives credit information from TransUnion, one of the three major US credit bureaus.

Credit Karma gives you a detailed credit report for free as well. You are expected to use the credit report to keep track of what is affecting your credit score. From here, Credit Karma starts helping you take advantage of the financial resources available to you.


One of the most powerful tools Credit Karma offers is a matching tool. What this does is matches you with low-cost loan products. These loan products are tailored to your credit score. They can also help you find “credit builder loans”.

If you take a credit builder loan, you can pay it off quickly. Credit builder loans are easy to get because they come with low or no credit score requirements. Credit Karma suggests you use these “credit builder loans” to help you build your credit score safely. Every time you take a loan and make sure it’s paid off in full, your credit score will rise. So, you can continuously take the loans you are matched with and start building your score at a low cost.

Credit Karma also offers a free credit monitoring system. So, you should take advantage of it by constantly keeping track of your score. You will be sent alerts when your TransUnion credit score changes.

On top of all this, Credit Karma also offers normal loan-matching services of all kinds. They can match you with competitive rates for a mortgage or another loan.

Is Credit Karma Secure?

Credit Karma offers a mostly secure service. Because you need to give them personal information, there is always risk involved. 

To handle peoples’ security concerns, Credit Karma offers $50,000 in identity theft insurance. This insurance comes with their free account option.

What’s The Catch?

Of course, Credit Karma needs to make money somehow. Their free option gives you: 

  • A monthly score update
  • Constant score monitoring from one credit bureau

These are their core, simpler services. For a more thorough service, you will have to pay for a monthly subscription.

With their cheapest and simplest subscription offer, you get far more from Credit Karma. Their Advanced Credit program costs $9.95 per month and gets you:

  • A daily credit score update from one credit bureau
  • Monthly credit score updates from the other two credit bureaus               
  • One monthly credit report from all three credit bureaus
  • Credit monitoring and alerts from all three credit bureaus

Credit Karma also offers pro and platinum plans for $15.95 and $19.95, respectively. Those subscriptions give you all of the above benefits. They then add a slew of customer support services on top of all that. Many of those features are meant for identity protection. The pro and platinum plans also include 24/7 reporting assistance if any of your credit reports contain inconsistencies.

Credit Karma: Sign Up For Free

You can receive the basic services that Credit Karma offers for free. If you do so, you are under no obligation to buy a more advanced subscription.

Sign-up for free today, and start monitoring your credit score.

Signing up to Credit Karma takes just minutes. Because monitoring your credit is so hard, we are happy to recommend their services. It’s always easier to monitor your credit with an automated process. So, save yourself the money and homework and sign up for free today.

Not sure where to go for a business loan? Read these quick & helpful guides:
Check out our preferred marketplace lenders.

Lender Minimum Revenue Time in Business Minimum Credit Next Steps
$100K/year 1 year 600+ See if you qualify
$10,000/mo 3 mo. n/a See if you qualify
$10,000/mo 3 mo. n/a See if you qualify
$75,000/yr 24 mo. 620+ Request Intro
Varies Varies 560+ See if you qualify

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