Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get a truly free credit score and credit report with no hidden costs or obligations. Based on your score, you gain access to attractive offers from companies that value your creditworthiness.

The premise of consumer credit scoring is that people with good credit pay their bills on time, are less likely to go into collections and tend to waste fewer company resources overall. These factors translate to higher profitability for that company and make that customer more desirable.

The principle of karma is common to many beliefs. The general idea is that any action a person takes either positive or negative, will have an inevitable equal effect in the future. Your credit score is kind of an expression of this concept; an index of your credit history: your Credit Karma. Credit Karma embodies the best parts of these two disparate yet similar concepts to help people stay aware of their credit information and gain access to personalized offers at the same time.

Our services start with a free credit score and credit report. No credit card is required and no strings are attached. Return as often as you like and use our service to track your credit file and stay informed. Credit Karma believes this is a fundamental consumer right. Credit Karma will continue to provide free credit information while doing the most to protect your privacy.

When you access the free credit score, Credit Karma will show personalized offers to you based on your credit profile. These offers are from advertisers who share our vision of consumer empowerment. If you wish to take advantage of our offers, it is up to you. Credit Karma tries to give the power and the choice back to the consumer.