BBB Business Review

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This business is not BBB accredited.

Credit Karma, Inc.

Phone: (415) 692-5722 PO Box 520, San Francisco, CA 94104 View Additional Web Addresses

BBB Business Reviews may not be reproduced for sales or promotional purposes.


We want to help you to take charge of your finances.People approach credit and finance with a range of emotions and varying levels of understanding. Our goal is to provide everyone with the information, guidance and tools they need to understand their options and take action.

We start by giving you free access to your credit information so you know where you stand. Then, we offer up personalized recommendations and education to help you make smart, achievable decisions.

At Credit Karma, we love figuring things out. We spend lots of time crunching numbers, analyzing information and finding ways to better help you.

First, we break down your credit reports. We show you important factors that can impact your score and provide tools and information so you can make sense of it all.

Next, we show you what you could get for your credit. We make personal recommendations based on your credit profile to help you make informed decisions that balance risk and reward.

Our members provide a unique knowledge bank. Millions of people use Credit Karma to get free credit reports, scores and credit monitoring. But they also come to our site to share their knowledge and experiences.

We're proud to share thousands of financial product reviews that come straight from our members. Our community forum and Facebook community allow members to have discussions about anything related to credit and finance. Sometimes it's just helpful to hear from others who have been in your shoes.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for Credit Karma, Inc. include:

  • 380 complaint(s) filed against business
  • Length of time business has been operating
  • Response to 380 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

380 complaints closed with BBB in last 3 years | 122 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 84
Billing/Collection Issues 93
Delivery Issues 15
Guarantee/Warranty Issues 34
Problems with Product/Service 154
Total Closed Complaints 380

Customer Reviews Summary Read customer reviews

39 Customer Reviews on Credit Karma, Inc.
Customer Experience Total Customer Reviews
Positive Experience 5
Neutral Experience 3
Negative Experience 31
Total Customer Reviews 39

Additional Information

BBB file opened: April 18, 2008 Business started: 03/01/2007 Business started locally: 03/01/2007 Business incorporated 12/31/2007 in CA
Type of Entity


Business Management
Ms. Elaine Podulka, Member Support Manager
Contact Information
Principal: Ms. Elaine Podulka, Member Support Manager
Number of Employees


Business Category

Credit Services

Method(s) of Payment
We never collect your credit card or payment information because we simply don't need it.
Refund and Exchange Policy
We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it.
Alternate Business Names
Credit Karma, Inc.

Customer Review Rating plus BBB Rating Summary

Credit Karma, Inc. has received 2.78 out of 5 stars based on 39 Customer Reviews and a BBB Rating of B-.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.