Credit Karma vs Experian
Credit Karma offers more free features with two bureau coverage. Experian provides real FICO scores and Experian Boost for improving credit.
Credit Karma
4.7
Free credit scores from TransUnion and Equifax with personalized financial recommendations.
Pricing: Free
Pros
- Completely free
- Two bureau scores
- Tax filing included
- Personalized recommendations
Cons
- VantageScore (not FICO)
- Ad-driven model
- Missing Experian
Experian
4.5
Free FICO score from Experian with credit monitoring and identity protection options.
Pricing: Free (Premium $24.99/mo)
Pros
- Real FICO score
- Experian bureau direct
- Boost feature
- Dark web scan
Cons
- Only one bureau free
- Premium is expensive
- Upsell-heavy
Choose Credit Karma if...
- You want two bureau coverage free
- Tax filing is a priority
- You want product recommendations
- You prefer VantageScore tracking
Choose Experian if...
- You need your real FICO score
- You want to boost your score
- You prefer direct bureau access
- Identity protection is a priority
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