More than just your credit score
With Credit Karma, you have access to your credit report and credit score for free, always. We give you access to your TransUnion (formerly CallCredit) credit history and information about how you manage the money you borrow. And we'll help you use your score to your advantage.
Authorised and regulated by the Financial Conduct Authority
Free-for-life credit report
Information from all main banks and credit card lenders
What’s in your credit report?
Your financial picture at a glance. That includes:
- Your credit rating and score with TransUnion (formerly CallCredit) and what they mean
- A list of your credit accounts (bank account, credit cards, loans and mortgages)
- Six-year payment history showing whether you've made repayments on time and in full
- Who has searched your credit file in the last two years
- Electoral roll information for your current address and past addresses linked to you
- Details of people you're financially linked to (through a joint account, for example)
We’re here to help — and protect — your financial life
For more than a decade, we’ve helped millions make financial progress in the United States and Canada.
More than 3 million people in the UK already use our service and we do not sell or share your personal information with third parties for their own marketing purposes.
We implement independently assessed security controls to help us protect your data.
Frequently asked questions
What does free for life mean?
This means you'll have access to your credit report for as long as we're around, keeping you in the know about your credit score whenever you need it.
How does Credit Karma make its money?
We receive a small commission from product providers for any customer who uses our site and takes out a product, such as a credit card. However, there is no obligation to purchase and customers can carry on getting their credit report and score free for life. Credit Karma is a credit broker, not a lender.
When can I look at my report?
With Credit Karma, your credit report and score is updated every 7 days for as long as you remain a Credit Karma customer. You have free access to your credit report and credit score so you can look at it as often as you want, there are no restrictions; we'd recommend you check it regularly just as you'd do with your bank statement or utility bills.
What information do I need to sign-up?
You'll need to provide us with a few personal details and answer a couple of questions about your financial history so we can find your report.
Your address: You'll need at least three years of address history and to have financial accounts such as credit card or loan or mortgage accounts linked to your current address.