Ck_Member Community (2024)

FAQs

Is it safe to give credit karma my Social Security number? ›

Credit Karma asks only for your name, address, birthdate, and the last four digits of your Social Security number. It doesn't store Social Security numbers, so there's virtually no risk that anyone can steal this information.

How do I fix this? You can try to resolve this issue by double-checking your Social Security number to make sure you're entering it correctly. Trying other names or nicknames you may have used (like a maiden name or “Mike” for “Michael”). Trying your former home address, if you've moved recently.

The answer is, “No.” There's no catch. No strings attached. We're not a scam. You can rest assured Credit Karma has your back.

The FTC alleged that many people who got “pre-approved” credit offers from Credit Karma were not approved. As a result, they wasted time applying and sometimes saw their credit scores drop when their applications were denied.

The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those credit bureaus.

Credit Karma goes the extra mile when it comes to the safe-keeping of our members' personal information. We use 128-bit or higher encryption to protect during the transmission of data to our site and encrypt data at rest.

It is this number that the major credit reporting agencies use to associate an individual's credit file with their history. Therefore, you must collect an SSN to be certain that you've pulled the correct credit file for review.

Entering your Social Insurance number (SIN) is completely optional. We ask for it because your SIN is a unique way to identify you, and having that information usually gives us a better chance at locating your credit files. Rest assured that we're committed to keeping your info safe.