How Often Does Credit Karma Update?

Your credit score impacts your ability to borrow money, get a mortgage, or secure a rental agreement. Therefore, checking your score regularly is a vital part of your personal financial management and planning. It enables you to address any issues promptly and maintain good standing.

Considering that, we’re going to answer the following question in this guide:

How often does Credit Karma update?

But before we get there, let’s cover some basics and see how this service works!

What Is Credit Karma?

Credit Karma is an American multinational personal finance business established in 2007. As of December 2020, the company is a brand of Intuit, the owner of the popular TurboTax DIY tax preparation service.

The Credit Karma free service provides you with your credit report and score in exchange for information regarding your spending habits.

So, how does the company make money?

Credit Karma receives compensation from third-party advertisers. Revenue from targeted marketing and advertisements offset the cost of its free services. So, you can rest assured there’s no catch or hidden fees.

How Does Credit Karma Work?

The credit reports and scores you see on your Credit Karma account come directly from Equifax and TransUnion — two of the three nationwide consumer credit bureaus. Thus, your Credit Karma credit report should be an accurate reflection of your information as reported by those two agencies.

It’s essential to understand what this means for you regarding the data you see and your Credit Karma credit score. The scores provided are actual credit scores pulled from TransUnion and Equifax, rather than estimates of your credit rating. Consequently, Credit Karma will ask for your personal details, including your Social Security Number, to create an account on the Credit Karma app or website. This will enable the company to match you up to what the bureaus have on file about you.

Also, note that Credit Karma isn’t a credit reporting agency or credit bureau. Therefore, creditors don’t report any data directly to Credit Karma, nor does the company gather data from creditors in any way.

How Often Does Credit Karma Update?

One question a lot of people have is how often and when does Credit Karma update? Updates will typically be available via your Credit Karma account once a week.

When you log in, you’ll see the date of the last update on your credit report underneath your personal data. If you look at the top of your dashboard, you can also see when your next update is due.

So, now that we have answered when does Credit Karma update, you may be perplexed to find no changes on the date stated. That’s because it usually takes lenders between four and six weeks to report new information, such as payment activity and new balances. Thus, the frequency of updates can vary from lender to lender. This means that it can take up to seven weeks for any new information or changes to appear on your Credit Karma report.

Your Credit Karma free credit score is not compiled by receiving information directly from lenders. Thus, the company doesn’t know when a certain lender will update your data. We advise checking in regularly so that you can keep an eye out for any errors that may have made your credit score drop while also keeping track of updates too.

One of the good things about using Credit Karma is that you will receive an email if there has been a significant Credit Karma score update on your account. Also, should you receive an alert, your report will refresh as soon as you log in, ensuring you view the updated version straight away.

How often does Credit Karma update TransUnion credit score?

Updates from TransUnion tend to be available every seven days through your Credit Karma account. Simply log in to get your updated score.

Suppose your Credit Karma TransUnion score is not updating. In that case, the best thing to do is get in touch with Credit Karma to discover whether there’s a problem with your account or whether there have simply been no significant changes to your credit report.

How often does Credit Karma update Equifax credit score?

Your Credit Karma credit score from the Equifax credit bureau will also update every seven days, enabling you to keep a close eye on your credit score and any potential changes. You can view your current score, as well as any updates from the past weeks or months.

Does Credit Karma Hurt Your Score?

Many people think that signing up for Credit Karma credit monitoring will hurt their credit score. Yet, there’s nothing to worry about. Checking your score on Credit Karma will not hurt your credit rating.

The checks that Credit Karma carries out are known as soft inquiries, which don’t impact your credit in any way. The sort of inquiries that do affect your credit score is known as hard inquiries, which is when a lender will check your credit as part of a review for a financial product application of some nature. Credit Karma monitoring does not fall into this category, so it won’t impact your credit score.

Is Credit Karma Accurate?

The information on Credit Karma comes from both Equifax and TransUnion, so you’re essentially getting your credit report and data from two of the main credit bureaus in one. This makes Credit Karma accuracy very high.

Often, people will simply check their score at one of the three credit bureaus. So having access to the score and information from two of the bureaus in one is a great advantage.

Why Isn’t Experian on Credit Karma?

You may have noticed that one of the nationwide credit bureaus is missing from your Credit Karma update: Experian.

Why isn’t Experian part of Credit Karma? Well, Credit Karma provides a VantageScore check, whereas Experian works with FICO.

What does this mean?

Well, FICO and VantageScore are essentially two companies, offering different models for credit scoring. Both are widely used when it comes to making lending decisions, but they differ slightly when it comes to how credit scores are calculated and predicted via the use of a credit score simulator.

Both FICO and VantageScore use their scoring models so that your credit report is turned into an updated credit score for each of the three main consumer credit bureaus – TransUnion, Experian, and Equifax.

Therefore, as Equifax and TransUnion both use the VantageScore scoring model, it makes sense to combine them. This allows for the most accurate reflection of your credit score based on the VantageScore approach.

As there is no Credit Karma FICO score check, it’s a good idea to access your Experian FICO Score as well. The credit bureau also has a feature known as Experian Boost. This is a tool that can potentially boost your credit score if you’re making regular payments on your account for things like your mobile phone contract or your Netflix subscription. Equifax and TransUnion don’t provide such a service.

Credit Karma vs Credit Sesame

We’ve already mentioned that Experian is a credit bureau that uses the FICO scoring model. On the other hand, Credit Karma isn’t a credit bureau; instead, it receives data from the two other agencies that use the VantageScore model. So, what about Credit Sesame?

Credit Sesame is a free personal money management tool that helps users with monetary liabilities. The company monitors the market to provide you with customized analysis and recommendations based on your needs.

When it comes to the battle of Credit Sesame vs Credit Karma, the former only uses your TransUnion credit score to update your account. In contrast, Credit Karma provides information from both TransUnion and Equifax.

There are many similarities between the two services, as they both offer identity monitoring and credit monitoring. Credit Sesame will also provide you with a free checking account. However, Credit Karma offers a more comprehensive set of services. Aside from the Credit Karma score simulator, you can expect tools like:

  • unclaimed money finder
  • auto value
  • DMV and auto recall information
  • tax preparation and filing
  • high-yield savings account

What about the cost?

While both solutions are free, Credit Sesame does provide two paid versions of their service: Pro ($15.95) and Platinum ($19.95). With their free account, you will get a monthly TransUnion credit score update and credit monitoring alerts. Your free Credit Karma update time is one week, so that’s a clear difference between the two. But if you choose one of the paid Credit Sesame accounts, you’ll get daily credit score updates.

This isn’t the only extra service you get for the $15.95 monthly subscription. The Pro Credit Sesame account also offers:

  • 24/7 live expert help
  • monitoring alerts from the three main credit bureaus
  • monthly scores and reports from TransUnion, Experian, and Equifax.

And in addition to these perks, the Platinum account also provides theft protection features, including SSN and ID monitoring, as well as lost and stolen wallet protection.

Credit Karma vs Experian

We’ve already spoken a bit about FICO vs Credit Karma, as FICO is the scoring model that Experian uses. However, there are some other things that you need to consider when deciding between both solutions.

First, while Experian has a free service, it also offers paid packages, just like Credit Sesame. In contrast, Credit Karma is entirely free.

With Experian, you can choose the 3-Bureau Credit report and my FICO score option for a one-time cost of $39.99. Yet, if you’re money-conscious, it makes sense to simply use Experian’s free service for your FICO score and Credit Karma for your VantageScore reports.

The basic Experian service will provide you with:

  • a loan and credit card matching service
  • free dark web surveillance report
  • credit alerts and monitoring
  • FICO score monitoring and Experian data
  • a refreshed score and report on a 30-day basis
  • Experian Boost
  • free FICO score and free credit score report.

Check out our Experian review for more information.


How often does your credit score update?

Your credit score will be updated whenever a lender supplies new data to the nationwide credit reporting agencies. This will typically happen once a month or once every 45 days. However, some lenders may update on a more regular basis.

Is Credit Karma free?

Yes, Credit Karma is a free credit score monitoring service. The company makes money from targeted marketing and advertisements.

How to delete a Credit Karma account?

To delete your Credit Karma account, you will first need to log in on the website or the app. Next, head to Profile, and choose Settings, which is in the top right-hand corner. Select My Profile. Finally, choose Close my Account.

How often can you check Credit Karma?

You can check your Credit Karma account as frequently as you want to. This won’t affect your credit score. Please note, however, that your information will most likely be updated on a weekly basis.

Is Credit Karma safe to use?

Yes, Credit Karma is considered safe to use. The company has taken steps to ensure that your data is protected. These include 128-bit encryption, a bug bounty program, and a dedicated security team. In addition, Credit Karma pledges to not sell or share your personal data with third parties without your consent. And how often does Credit Karma update its security efforts? The company improves its site security measures periodically for your peace of mind.


I have been writing content for several years now after stumbling across a few opportunities online. You could call it fate. My personal experiences and eagerness to learn have fuelled my passion for the financial sector. When I don’t have my eyes peeled to the computer screen, I dedicate my time to my other interests — motocross and music.

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