Credit Karma is a personal finance platform operated by Intuit Credit Karma, a subsidiary of Intuit, Inc. The service provides free credit scores, credit reports, and financial monitoring tools.
How to reach a person at Credit Karma
Credit Karma Responsiveness rating
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What you need to know about Credit Karma
The company responds to most customer complaints in a satisfactory manner.
- Credit Karma’s customer service response times can vary depending on the method of contact, the volume of inquiries, and the nature of the issue.
- You can resolve a problem with Credit Karma with our insider guide or through its executive contacts.
- Credit Karma’s customer service policies are standard. Here are our frequently asked questions about Credit Karma.
Credit Karma customer service response times
Credit Karma’s customer service response times can vary depending on the method of contact, the volume of inquiries, and the nature of the issue. However, here’s a general idea of what to expect:
| Phone support | Credit Karma does not provide a public customer service phone number for general inquiries. |
| Email support | Credit Karma does not provide a public customer service email address for general inquiries. |
| Live chat | Credit Karma offers in-app chat support through its website and mobile app. The chat system is primarily AI-driven, with limited escalation to human support representatives in certain cases. |
| Social media | Credit Karma does not provide customer support through social media. While the company maintains official accounts on platforms such as X, Facebook and Instagram, these channels are used for informational purposes rather than handling support inquiries. |
| Help center/FAQ | Credit Karma offers customer support through its online help center and FAQ section. Visit the help center to find answers to common questions and submit support requests. To receive assistance, users must log into accounts and follow the website’s support process. |
How to resolve a problem with Credit Karma
This guide on how to solve a customer service problem will help you resolve most problems with the company. You can also refer to the executive contacts below or contact our advocacy team directly.
Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting a manager.
We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.Credit Karma mailing address
1100 Broadway
Suite 1800
Oakland, CA 94607
Credit Karma loyalty program
Credit Karma does not have a loyalty program.
Credit Karma social media channels
Credit Karma executive customer service contacts
Primary Contact
Tammy Hardy
Manager II, Member Support
1100 Broadway
Suite 1800
Oakland, CA 94607
tammy.hardy@creditkarma.com
Secondary Contact
Sarah Kim
EVP, Chief Customer Success Officer, Intuit
2700 Coast Avenue
Mountain View, CA 94043
sarah_kim@intuit.com
Chairman and CEO of Intuit
Sasan Goodarzi
2700 Coast Avenue
Mountain View, CA 94043
sasan_goodarzi@intuit.com
Credit Karma customer service policies
What is Credit Karma's privacy policy?
Credit Karma’s privacy policy explains how the company collects, uses, and protects personal and financial information. It outlines the types of data gathered, how they are shared with third parties, and the security measures in place to safeguard user information.
What are Credit Karma's terms of service?
Credit Karma’s terms of service outline the rules and conditions for using the platform, including account eligibility, data usage, limitations of liability, and user responsibilities.
Credit Karma self-service links
How do I create a Credit Karma account?
Visit the website and click “Sign Up.” Enter your personal details, including your name, email address, and password. Follow the prompts to verify your identity by providing your Social Security number and answering security questions.
How do I delete my Credit Karma account?
Visit the website, log into your account, go to “Profile & Settings,” and select “Security Settings.” Scroll down and click “Deactivate Account,” and follow the instructions to confirm the deletion.
How do I unlink a bank account from Credit Karma Money?
Visit the website, log into your account, go to “Credit Karma Money,” and navigate to “Linked Accounts” under settings. Find the bank account you want to remove, click “Unlink,” and follow the prompts to confirm the removal.
What is Credit Karma?
Credit Karma is a free financial service that provides users with credit scores, credit reports, and financial recommendations. It also offers tools for monitoring credit, finding loans, and managing finances.
Does using Credit Karma affect my credit score?
No, checking your credit score on Credit Karma does not impact your credit score. The company uses a soft inquiry, which does not affect your credit report.
How often does Credit Karma update credit scores?
Credit Karma updates credit scores and reports about once a week based on information from Equifax and TransUnion.
Why can't I transfer all my Credit Karma Money to my bank account at once?
Credit Karma Money imposes a $1,000 per day limit on transfers to external bank accounts. Standard transfers take 2 to 3 business days at no charge. An instant transfer option is available but carries a 1.75% fee. If you need to move a large balance out quickly, you’ll need to plan for several days of daily transfers. Credit Karma customer service has confirmed it cannot raise the transfer cap, so there’s no workaround through support. If you’ve closed your account with funds still inside, allow up to 3 to 5 business days for the balance to be returned.
Why is my Credit Karma credit score so different from the score my lender pulled?
Credit Karma shows your VantageScore 3.0 based on data from TransUnion and Equifax. Most lenders, especially mortgage lenders, use one of several FICO score versions, which calculate credit history differently. The difference between the two scores can sometimes be significant, with some users reporting gaps of more than 100 points. The score shown on Credit Karma is still useful for tracking changes and trends in your credit over time, but it is not usually the score a lender will use to make lending decisions. Before applying for a major loan, you may want to check your actual FICO score through myfico.com or through your bank if it provides that service.
I clicked on a loan offer through Credit Karma and now I'm getting dozens of marketing calls every day. How do I make them stop?
When you interact with a financial product offer through Credit Karma’s marketplace, your information may be shared with the lender involved and, in some cases, with affiliated partners. To reduce marketing calls, contact each lender directly and ask to be removed from their marketing lists. You can also register your phone number at donotcall.gov if you have not already done so. To limit future marketing sharing through Credit Karma, request that your information not be shared for marketing purposes. You may also be able to manage certain data-sharing preferences through the Data Preferences section at creditkarma.com. Keep in mind that marketing calls already in progress may take up to 30 days to stop after you opt out. If the calls continue, you can file a complaint with the FTC at reportfraud.ftc.gov.
Credit Karma's "Approval Odds guarantee" said I'd get $50 if I wasn't approved, but they won't pay. What can I do?
Credit Karma’s $50 Approval Odds Guarantee only applies to certain offers that display the guarantee badge, and the eligibility requirements are fairly specific. To qualify, the offer must have included the guarantee, your application must have been denied, and the denial must have been based on creditworthiness rather than factors such as income verification or identity issues. If Credit Karma refuses to honor the guarantee, ask for the specific reason in writing through the in-app help chat and keep a screenshot of the original offer showing the guarantee badge. If the issue is not resolved, request that the matter be escalated. You can also file a complaint with the CFPB at consumerfinance.gov/complaint if you are unable to get a response.
How to get professional help with your Credit Karma problem
If you need help with Credit Karma, you can contact our advocacy team or just click the "Get Help" button. For immediate assistance, you can also send us a message on our Facebook group. Note: We do not charge for our advocacy.
Get HelpDISCLAIMER: The names, numbers and email addresses on this page are provided for informational purposes and are believed to be reliable. However, they should in no way be construed as a guarantee of their accuracy by Elliott.org. Company executives change their email addresses and phone numbers frequently to avoid contact with customers.
If an email address bounces or a phone number is wrong, please report it to us immediately through this form.
What do you think of Credit Karma?
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It is not ok to offer you an outstanding approval to transfer a debt to a 0% APR for 18 months credit card ( Discover credit card) to run your credit just to get denied. THAT DOES NOT MAKE SENSE!! Please credit karma and all those credit cards offering fake approvals stop messing with people's credit score!!
Please do not attempt to apply for a credit card through credit karma you will not get approved. Now I wonder why they don't have a costumer service phone number. Worse experience!!
This is one of the worst companies imaginable. Avoid at all costs
I have try to login to many times and having no success at all I gave them all my information drivers license and photo. Asked them to call me no call at all
This is the worst app no customer service an that robot makes you hate ai do not use this service you will regert