Credit Karma Doesn’t Hurt Your Credit Score, and Here’s Why.
Credit Karma is a free online service that allows consumers to check their credit score for free.
Checking your credit on Credit Karma does not hurt your credit score because it’s a self-initiated soft credit inquiry.4 Nov 2019
Does checking your credit on credit karma lower your score?
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.3 May 2019
Why does checking your credit score hurt it?
A soft inquiry has no effect on your credit score. In contrast, a “soft inquiry” or “soft pull” occurs when you — or a creditor looking to preapprove you for a loan or credit card — checks your score. So, if you apply for several credit cards close together, you might see a significant drop in your credit scores.
How can I check my credit score without hurting my credit?
Account inquiries.The number of credit inquiries for your account can also impact your score. As we’ve mentioned, soft inquiries (when you check your credit yourself) do not affect your score, but a hard inquiry, such as when you apply for a new credit card, does.1 Feb 2019
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.18 Apr 2019