by CI Staff
Credit Karma is a website that gives viewers access to their credit score for free. Based on your score, you can gain access to exclusive offers from companies that value your credit worthiness. These personalized offers based on your credit score are optional, and CreditKarma will never share your information without your consent.
Once you provide your information to Credit Karma, a page will pop up that shows you your credit score from TransUnion. The website gives users their overall credit score, as well as a breakdown of several contributing components that affect your credit: open credit utilization, payments made on time, average age of open credit lines, total accounts, hard credit inquiries and derogatory marks. For each category you are given a grade on a scale from A to F, then an overall credit grade is given on that same scale.
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