Does Credit Karma pull hard pulls?

MountainHiker · ‎08-21-2012

I'm thinking about joining credit karma but concern about it showing up as an inquirie.Are the experian scores on that site accurate? Would credit karma harm my credit?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

marty56 · ‎08-21-2012

Checking your credit via any online credit provider will never hurt your score. The scores on EX are FAKO and do not reflect your true FICO score.

1/25/2021: FICO 850 EQ 848 TU 847 EX

llecs · ‎08-21-2012

Ditto. Soft pulls. And the pulls for Credit Karma are for TU, and not EX. CreditKArma or any of the CMSs out there won't hurt your credit....and ignore their scores.

Anonymous · ‎08-21-2012

I pull from CreditKarma almost everyday, and have done so for almost a year now. No adverse affects

The transuion(transrisk score) is from my experiences usually 10-20 lower than my actual score.

Shogun · ‎08-22-2012

Anytime you check your own credit, it's a "soft pull". I use CreditKarma also. But I pay no attention to the score. I only use it for monitoring my accounts, pulls, new accts., etc..

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.