Credit Karma does not increase your credit score directly, but it can assist you in navigating your finances in such a way that you can increase your credit score over time.
By using Credit Karma you will be able to view your credit score to get a good idea of where you stand. They will also offer you tips and suggestions on things you can do to improve your credit.
Keep in mind that the scores that Credit Karma provides are not FICO scores. Their scores are based on the Vantage credit scoring system which is not used by the majority of lenders. The FICO score is the lenders scoring system of choice.
With that said, your Vantage score is usually within the range of your FICO score and in some cases, your FICO might actually be higher. Due to the subtle variables between the two, it’s hard to say with 100% certainty either way, so just keep that in mind when viewing scores on Credit Karma.
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