Credit Karma
Tap a star to rate
Credit Karma's free service pulls data from TransUnion and Equifax, two of the three major credit bureaus. The app sends regular alerts about score changes and offers personalized recommendations for credit cards and loans, all funded by referral commissions from partners. It's straightforward to use and requires no payment to start monitoring.
Since launching in 2007, it's become a go-to entry point for anyone checking their credit for free. The tool works well for consumers who want to shop for credit products, though keep in mind the recommendations favor providers that pay referral fees.