Having a Credit Karma account will not directly lower your credit scores.
We request your credit report information on your behalf from TransUnion and Equifax.
This is known as a soft inquiry, which won’t impact your scores.
On the other hand, hard inquiries can influence your credit scores.
Are Credit Karma scores accurate?
More than 90% of lenders prefer the FICO scoring model, but Credit Karma uses the Vantage 3.0 scoring model. Overall, your Credit Karma score is an accurate metric that will help you monitor your credit — but it might not match the FICO scores a lender looks at before giving you a loan.
Is it bad to use credit karma?
Ultimately, Credit Karma is safe. I’ve been using the service for over five years. And while they may use personal information to serve ads, they’re not sharing it with third parties (to my knowledge). And, at the end of the day, Credit Karma provides really useful insights into your credit health.
Does Credit Karma hurt your score Reddit?
Credit Karma only lets you get a new report every 7 days. So that is 4 soft inquiries a month. It will not affect your score at all. You used to be able to get a new report everyday and even then it would not affect a score because it was only soft inquires.
Can I check my credit score without hurting it?
Checking your own credit won’t hurt your score. If you check your credit score yourself, it doesn’t hurt it. But if a lender or credit card issuer does, it might. Either way, you’ll see an “inquiry” on your credit report.