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myFICO vs Credit Karma


 

myFICO

Credit Karma

 

Benefits and Features

FeesStarts at $0/mo;
Paid plans start at $29.95/mo
Monthly Savings: Starts at $10/month

Credit Monitoring: Free
Credit Bureaus MonitoredFree Plan: Equifax

Advanced & Premier Plans: 3 Main Credit Bureaus
Equifax and TransUnion
Credit Score UpdateFree Plan: Monthly Equifax FICO Scores

Advanced Plan: Quarterly 3-Bureau FICO Scores

Premier Plan: Monthly 3-Bureau FICO Scores
Daily access to Equifax and TransUnion VantageScore 3.0 credit scores
Credit ReportsFree Plan: Monthly Equifax Credit Report

Advanced Plan: Quarterly 3-Bureau Credit Report

Premier Plan: Monthly 3-Bureau Credit Report
Daily access to Equifax and TransUnion credit reports;
Reports can be updated weekly
Identity MonitoringFree Plan: None

Advanced & Premier Plans: Yes
Yes
Identity Theft ProtectionFree Plan: None

Advanced & Premier Plans: $1M Identity Theft Insurance
None
Mobile App 
Yes
 

CreditDonkey® Reviews

FeesStarStarStarStarStar
Credit Building ToolsStarStarStarHalf StarEmpty Star
Credit Bureaus ReportingStarStarStarStarStar
Mobile AppStarStarStarStarStar
Pros & ConsPros:
  • No fees
  • Reports to 3 credit bureaus
  • No lock-in period
Cons:
  • Credit score must be 619 or below
  • Can't access savings immediately
Bottom LineFree credit builder that helps you build savings worth $500 or more... Read full review

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Articles on Credit Karma

Credit Karma Credit Builder Review

Building credit can be simple. Credit Karma makes it easy without fees. But is there anything to look out for? Read on to find out.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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