Credit Karma

Editors' ReviewDownload.com staffNovember 15, 2018Credit Karma Mobile offers straightforward credit reporting with tools that observe all significant incidents that may damage your credit score. Fully integrated with CreditKarma.com, this free application is a great utility for those who want to track their financial standing.ProsComprehensive coverage: The main features of Credit Karma are its "Credit Report Card" and "Notifications," which give you up-to-date, instant access to a variety of monitoring tools. The report card breaks down detailed reasons for your credit score; and for a free app, this type of coverage can't be beat.Accurate reporting: Credit Karma automatically refreshes your credit score each time you log in. We received an email alert as soon as a large transaction was charged to our test account, proving that this application has a quick response time.Clear-cut menus: The home screen display easily directs you to the three main tabs, while the contrasting design enables you to see all navigational buttons, effortlessly.ConsOccasional slowness: After inputting our credentials, Credit Karma Mobile took approximately three to four minutes to locate our information. This is noticeably slower than Credit Karma's Web site. Sluggish transitions between tabs occurred after a few minutes of use, but it did not have a significant impact on functionality.Bottom LineCredit Karma achieves all of its intended functions, and provides an inviting, painless layout that makes using this application easy. While Credit Karma Mobile does succeed in providing one of the best monitoring services on the market, applications like FreeCreditScore.com offer credit reports from a large number of reporting agencies. However, because Credit Karma is truly free and offers live feedback, we suggest trying out this mobile app.