Credit Karma
A free credit-monitoring service showing VantageScore 3.0 from Equifax and TransUnion.
Credit Karma is a free credit-monitoring service owned by Intuit. Shows VantageScore 3.0 from Equifax and TransUnion (not Experian, not FICO). Revenue model: affiliate commissions on credit-card and personal-loan referrals.
Useful for free score monitoring + alerts. Not useful for actual FICO score or filing disputes (Karma doesn't dispute on your behalf).
Related terms
The credit score model developed jointly by Equifax, Experian, and TransUnion.
The credit score model developed by Fair Isaac Corporation. Used by 90%+ of U.S. lenders.
A service that alerts consumers to changes on their credit reports — new accounts, hard inquiries, balance changes.
Run the Cougar Method on your credit file.
CreditCougar drafts FCRA-compliant dispute letters tuned to your specific situation. $29.95/mo. $1 7-day trial.
Start the hunt — $1 trial