Verdict
creditkarma.co.uk appears legitimate.
Our checks found nothing pointing to fraud. Ordinary care still applies when you pay or sign in.
| What this site appears to be | Credit Karma UK offers free credit scores and reports, personalized credit guidance, and comparisons for credit cards and loans. The page identifies Credit Karma UK Limited, discloses commission-based brokerage, and provides FCA registration details. |
|---|
Evidence status and limitations
Evidence completeness: UNKNOWN
- Module-level completeness metadata is unavailable for this legacy report.
At a glance
The checks that decide most of this verdict.
| Malware engines | 1 flagged itVirusTotal | Risk |
|---|---|---|
| Google Safe Browsing | Not listedGoogle | Clear |
| Abuse reports on the host | 0 reportsAbuseIPDB; shared hosting inflates this count | Noted |
| Domain age | 14 years oldRegistered history | Clear |
| Web archive | Never archivedNo public history of this site | Watch |
| Certificate | Encrypted connectionIssued by DigiCert EV RSA CA G2 | Noted |
The page as captured
No screenshot is retained for this report.
Key findings
- Automated classification: Not Scam.
- Domain age: more than 10 years (registration continuity).
- At least one reputation service TrustSniffer consulted had flagged this domain at assessment time.
- The operator behind the site could not be independently connected to a real-world brand or person.
Full analysis
Overview
Credit Karma UK is a financial-services website offering free credit scores and reports, personalized credit guidance, and comparisons for credit cards and personal loans, with revenue generated through commissions from recommended lenders.
Scam/Impersonation Risk
No scam, phishing, impersonation, blacklist, or conflicting-identity indicators were observed. The site’s stated services, identifiable UK business identity, transparent brokerage model, stable operation, and absence of suspicious forms or wallet activity are consistent with a legitimate established service.
- Homepage: presents free credit scores, credit reports, credit guidance, and lender comparisons.
- Homepage: no phishing indicators, hidden forms, or sensitive external forms were detected.
- Domain registration record: created 2012-06-25 and approximately 14.12 years old; registrar Markmonitor Inc.
Regulatory Verification Notes
The site identifies Credit Karma UK Limited, provides FCA registration details, and discloses that commissions may be received from lenders. The supplied evidence does not independently confirm the registration, so registry confirmation remains an appropriate administrative step. One isolated external scanner result was not corroborated by broader blacklist or phishing findings and is not treated as a confirmed warning.
- Financial-services page: identifies Credit Karma UK Limited and presents FCA registration details.
- Financial-services page: discloses commission-based brokerage.
- Hosting record: served from AS16625, AKAMAI-AS — Akamai Technologies, Inc.
- TLS certificate: DigiCert EV RSA CA G2, EV validation, valid through 2026-09-17.
What to Verify Next
Confirm the displayed FCA registration against the official FCA register and ensure that the registered entity matches Credit Karma UK Limited. For consequential financial decisions, apply normal product-level affordability and terms review.
- Financial-services page: supplies the FCA registration reference for independent confirmation.
- Financial-services page: states that lender commissions may influence recommendations.
Summary Verdict
The website presents as an established, legitimate, and trustworthy financial-services entity with no observed scam or impersonation contradiction. Its overall posture supports normal interaction, including account login and standard use.
Infrastructure Integrity
The site is protected by Akamai CDN/WAF infrastructure, with observed traffic served through AS16625 edge infrastructure and no origin candidate exposed. This provides a meaningful defensive layer against direct origin exposure, while remaining a mitigating infrastructure signal rather than proof of legitimacy.
Closing Assessment
Normal account use is appropriate, with ordinary care applied to financial decisions and the terms of any recommended product.
Written analysis generated 2026-08-03 by the TrustSniffer Analysis Engine from the evidence in this report.
What the analysis found
No rule findings contributed to this verdict.
Identity verification
| Status | UNVERIFIED |
|---|---|
| Identity score | 30/100 |
| Identity verification confidence | 50% |
- No on-site identity signals detected
Identity verification measures whether the site can be independently connected to a real-world brand or person. It is separate from the classification confidence.
What TrustSniffer observed
First-party facts recorded during the assessment of creditkarma.co.uk.
- The request stayed on creditkarma.co.uk. It was not redirected to another domain. Clear
- Registration is published under Markmonitor Inc. [Tag = MARKMONITOR]. Clear
- DNS for this domain is served by akam.net, across 10 name servers. Noted
- The registration is paid up to 2028-06-25. Clear
- It is hosted on AKAMAI-AS, from a server in US. Noted
Domain intelligence
| Registrar | Markmonitor Inc. [Tag = MARKMONITOR] |
|---|---|
| Hosting | AKAMAI-AS - Akamai Technologies, Inc., US |
| Country | US |
| Server IP | 104.102.61.224 |
| Name servers | a1-204.akam.net, a16-64.akam.net, a28-65.akam.net, a3-67.akam.net, a4-66.akam.net, a9-66.akam.net, dns1.p04.nsone.net, dns2.p04.nsone.net, dns3.p04.nsone.net, dns4.p04.nsone.net |
| SSL issuer | DigiCert EV RSA CA G2 |
| SSL expiry | 2026-09-17 |
| Domain age | 14.1 years |
| Domain expiry | 2028-06-25 |
| Archive first seen | Not available |
| Archive snapshots | 0 |
| Reputation | VirusTotal: 1 flagged | AbuseIPDB: 0 reports | Google Safe Browsing: 0 matches |
About this assessment
A trust score summarises the evidence TrustSniffer could collect about creditkarma.co.uk at assessment time. It is a starting point for your own judgement, not a guarantee: a high score means the signals were consistent with a legitimately operated site, a low or critical score means several risk patterns were present.
TrustSniffer assesses a website from the evidence it can collect at a point in time: domain registration and age, hosting and certificate, the content the site served, and third-party reputation feeds. A score is a summary of that evidence, not a guarantee and not a legal finding. There is no human rating and no user review in it. A site can change after it is assessed.