Stay Connected A credit score is one of the most important components of a consumer's financial profile. At Credit KarmaT, we believe free access to one's credit score and report is a fundamental consumer right. That is why our site allows consumers to access their credit score anytime they want for free without the sneaky "free" trials or subscription requirements. In addition to free credit scores, Credit KarmaT has a wealth of tools and content to help consumers better understand how credit scores and credit reports work. Credit KarmaT is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, our goal is to empower consumers to more actively manage their credit and their financial health.