Credit Karma's home page with a persons credit scores listed

Is Credit Karma Safe?

Milad Hassibi December 21, 2018


With the advancement of technology, consumers can access information in just a few clicks. Each day, hundreds of thousands of Americans check their credit score online.

One popular website for doing so is Credit Karma, a website that is focused on helping consumers find and view their credit score, credit report, and much more.

Is Credit Karma safe?

Consumers should note that Credit Karma clearly states in their Privacy Policy that your personal information and non-personal information are collected. It is likely that Credit Karma is collecting this information for the purposes of monetization since the website is free of charge. Your data may be sold and resold at any time without any notice to you.

The word Safe appearing in front of credit karma's dashboard

The site states that they do not sell any information to “unaffiliated parties”. However, it is likely that your information is being sold to “affiliated” parties instead, which may possibly include credit card providers.

What Information does Credit Karma Collect?

Some of the personal information Credit Karma may collect is:

  • Your full name
  • Complete address
  • Email address
  • Your Social Security number
  • Phone number

Credit Karma also states in their privacy policy that demographic information about you and your household are also collected. This information includes your gender, income levels, and the types of products you are interested in.

While actively using and logging into Credit Karma should not pose a risk, your data may be sold to various credit card companies. These companies are most likely looking to provide you with cards that match your credit score listed on Credit Karma.

There is also always the risk of a cyber attack or hack against Credit Karma, where a single hacker could theoretically steal your social security number and credit-related information to open accounts in your name.

There is a possibility that you may receive junk credit card mail after you sign up with Credit Karma or apply for a credit card through them. Sensitive information like your social security number is collected by Credit Karma.

Besides just collecting your personal information, Credit Karma also collects your device information, such as the brand of phone you are using and the hardware inside the phone. The privacy policy also clearly states that “we may also integrate with built-in device features”, which includes your fingerprint scanner or FaceID.

Although accessing Credit Karma is safe and secure, consumers should be aware that Credit Karma is actively “sharing” your information with credit card companies or their own internal offers.

Final Note

All in all, Credit Karma is a great way for consumers to get free access to their credit scores. If you have less than perfect credit and don’t know where to go, CrediReady can help.

Our trusted network of credit repair experts can boost your score and help you qualify for the credit you need. Take a moment to fill out our free no-obligation credit repair inquiry form and start fixing your credit today!



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