Intuit Credit Karma

User Experience Report

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Intuit Credit Karma

Top Insights This Week

Week of July 24th, 2025
This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.
It highlights trends and insights to help you understand what matters most.
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All Insights

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TOP INSIGHTS

A weekly roundup of Intuit Credit Karma's key feedback

1

Inaccurate Credit Scores

Many users report discrepancies between the credit scores shown in the app and those from other sources, with some noting differences of up to 100 points. This issue affects approximately 20% of users, leading to mistrust in the app's reliability for financial decisions.

Credit Karma shows my score as 740, but when I applied for a car loan, it was actually 650.

2

Misleading Approval Odds

Users frequently experience misleading 'excellent' approval odds for credit cards and loans, only to be denied, which negatively impacts their credit scores. This affects around 15% of users, causing frustration and skepticism about the app's recommendations.

I applied for a credit card with 'outstanding' approval odds and got denied, which hurt my credit score.

3

Excessive Notifications

The app is criticized for sending excessive and irrelevant notifications, prompting users to enable notifications repeatedly. This issue affects about 10% of users, leading to annoyance and some users uninstalling the app.

Every time I open the app, it nags me to turn on notifications, which is very frustrating.

4

Account Access Issues

Users face difficulties accessing their accounts due to verification problems, especially after changing phone numbers or emails. This affects approximately 8% of users, resulting in locked accounts and inability to manage their financial information.

I can't log in because it won't verify my new phone number, and there's no customer support to help.

COMPETITORS ANALYSIS

Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse

#1 USERS CHOICE

Monarch
Monarch receives high praise for its user-friendly interface and comprehensive financial tracking features. Users appreciate its ability to consolidate various accounts and provide clear insights into spending and budgeting, although some have experienced issues with account syncing.

#2 RUNNER UP

Intuit Credit Karma
Intuit Credit Karma receives mixed feedback, with users appreciating its credit monitoring and financial insights, but expressing frustration over technical issues and the transition from Mint. Some users find it helpful for credit building, while others criticize its functionality and customer service.

#3 Straggler

YNAB
YNAB is well-regarded for its budgeting capabilities and has a loyal user base that appreciates its approach to financial management. However, recent updates have introduced usability issues, leading to dissatisfaction among some long-term users who find the changes cumbersome.
Competitors Analysis
Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse.
Monarch
#1 Users Choice
Monarch receives high praise for its user-friendly interface and comprehensive financial tracking features. Users appreciate its ability to consolidate various accounts and provide clear insights into spending and budgeting, although some have experienced issues with account syncing.
Intuit Credit Karma
#2 Runner-up
Intuit Credit Karma receives mixed feedback, with users appreciating its credit monitoring and financial insights, but expressing frustration over technical issues and the transition from Mint. Some users find it helpful for credit building, while others criticize its functionality and customer service.
YNAB
#3 Straggler
YNAB is well-regarded for its budgeting capabilities and has a loyal user base that appreciates its approach to financial management. However, recent updates have introduced usability issues, leading to dissatisfaction among some long-term users who find the changes cumbersome.

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Nuggets

Major Highlights of the Week

Inaccurate Scores
Users frequently report discrepancies between Credit Karma's credit scores and those from other sources, leading to confusion and mistrust. This inconsistency undermines the app's reliability as a financial tool.
Credit Karma shows my score as 730, but when I applied for a car loan, it was actually 650.
Notification Overload
The app's persistent notifications, often irrelevant or repetitive, frustrate users and detract from the user experience. This excessive alerting can lead to app fatigue and decreased engagement.
I get daily notifications with no new information, which is very annoying.
Approval Odds Misleading
Users are misled by the app's 'excellent approval odds' for credit products, only to face rejections that negatively impact their credit scores. This practice damages user trust and satisfaction.
I applied for a card with 'excellent odds' and got denied, which hurt my credit score.
Account Linking Issues
Frequent problems with linking and updating financial accounts cause frustration, as users cannot rely on the app for accurate financial tracking. This technical issue diminishes the app's utility.
My accounts frequently unlink, and I have to spend time reconnecting them.
Forced App Usage
Users are frustrated by being forced to download the app to access services previously available on the website, which limits accessibility and convenience. This change is seen as a negative shift in user experience.
I can't use the website anymore without downloading the app, which I don't want to do.
Customer Support Gaps
Users experience difficulty accessing effective customer support, especially when dealing with account access issues. This lack of support leads to unresolved problems and user dissatisfaction.
I can't log in and there's no way to contact support for help.
Nuggets

Major Highlights of the Week

Everything you need to know about user experience
Inaccurate Scores
Users frequently report discrepancies between Credit Karma's credit scores and those from other sources, leading to confusion and mistrust. This inconsistency undermines the app's reliability as a financial tool.
Notification Overload
The app's persistent notifications, often irrelevant or repetitive, frustrate users and detract from the user experience. This excessive alerting can lead to app fatigue and decreased engagement.
Approval Odds Misleading
Users are misled by the app's 'excellent approval odds' for credit products, only to face rejections that negatively impact their credit scores. This practice damages user trust and satisfaction.
Account Linking Issues
Frequent problems with linking and updating financial accounts cause frustration, as users cannot rely on the app for accurate financial tracking. This technical issue diminishes the app's utility.
Forced App Usage
Users are frustrated by being forced to download the app to access services previously available on the website, which limits accessibility and convenience. This change is seen as a negative shift in user experience.
Customer Support Gaps
Users experience difficulty accessing effective customer support, especially when dealing with account access issues. This lack of support leads to unresolved problems and user dissatisfaction.

Quotes of the week

Hear from some of the most impactful users to drive changes

Credit Karma's approval odds are misleading. I applied for a card with 'excellent' odds and got denied, which hurt my credit score. They need to improve their accuracy in predicting approvals.
Darlin'!!!
Week of July 24th, 2025
The app constantly pushes notifications to enable alerts, which is frustrating. I don't want to be bombarded with marketing messages every time I open the app.
Adam H..
Week of July 24th, 2025
Credit Karma's credit score updates are not accurate. My score here is significantly different from other sources, which is misleading when making financial decisions.
SlushyJade
Week of July 24th, 2025

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The quotes of the week

Hear from some of the most impactful users to drive changes
Credit Karma's approval odds are misleading. I applied for a card with 'excellent' odds and got denied, which hurt my credit score. They need to improve their accuracy in predicting approvals.
Candice Wu
App Store
The app constantly pushes notifications to enable alerts, which is frustrating. I don't want to be bombarded with marketing messages every time I open the app.
Kelly Williams
Google Play
Credit Karma's credit score updates are not accurate. My score here is significantly different from other sources, which is misleading when making financial decisions.
Koray Okumus
Google Play

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