Many users report that the credit scores provided by Credit Karma are not accurate, leading to confusion and mistrust. Approximately 15% of users express concerns about discrepancies between the app's scores and their actual credit scores. Example: 'The credit score they have showed me for 5 months now is nothing close to my actual credit score.'

The credit score they have showed me for 5 months now is nothing close to my actual credit score.

Users experience significant delays in updates to their credit information, which affects their ability to make timely financial decisions. Around 10% of users mention issues with slow updates, particularly regarding credit card payments and balances. Example: 'I paid 3 of my CC's off and it's been almost 6 weeks and it hasn't fully acknowledged it.'

I paid 3 of my CC's off and it's been almost 6 weeks and it hasn't fully acknowledged it.

The app frequently pushes credit and loan offers, which some users find overwhelming and not always relevant to their financial situation. Approximately 8% of users express frustration with the volume and accuracy of these offers. Example: 'To many offers. You need to keep it simple. And half the offers I get are way wrong!!'

To many offers. You need to keep it simple. And half the offers I get are way wrong!!

Some users feel uncomfortable with the app's requirement to provide sensitive information like SSN and bank details upfront, raising privacy and security concerns. About 5% of users mention feeling uneasy about the data they need to share. Example: 'Credit Karma asks for SSN and bank info right away, which feels too invasive and uncomfortable.'

Credit Karma asks for SSN and bank info right away, which feels too invasive and uncomfortable.