Credit Karma

Credit Karma is an application developed for individuals who want to know their credit score, a score that is supposed to reflect the probability of an individual to obtain a credit according to his ability to repay and his financial situation. The application offers real-time monitoring and provides personalized recommendations.

Credit Karma to know the credit report and to remedy it

Credit Karma - Free Credit Scores & Reports is a scoring and reporting application that lists ratings and reports on clients. It works by publishing credit scores and reports accessible to all. A credit score is a number that evaluates your credit risk. It can help creditors determine whether to extend credit to you, what terms and conditions they offer, or what interest rate you will pay. Having a high score can make it easier for you to get a loan, take advantage of real estate rentals or reduce your insurance rate. The information in each user's credit report is used to calculate the credit score.

The application also allows you to view credit reports that list your bill payment history, loans, current debt and other financial information. They show where you work and live and whether you have been sued, arrested or filed for bankruptcy. In addition to providing credit data, Credit Karma also educates its members about the factors that affect their scores and gives them tips for improvement.