Verdict
creditkarma.com 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 | Corporate maintenance/error page for a credit service informing users the site is temporarily unavailable and listing product categories and help links. |
|---|
Evidence status and limitations
Evidence completeness: UNKNOWN
- The real-world operator identity was not independently verified.
- Module-level completeness metadata is unavailable for this legacy report.
At a glance
The checks that decide most of this verdict.
| Malware engines | None flagged itVirusTotal | Clear |
|---|---|---|
| Google Safe Browsing | Not listedGoogle | Clear |
| Abuse reports on the host | 0 reportsAbuseIPDB; shared hosting inflates this count | Noted |
| Domain age | 21 years oldRegistered history | Clear |
| Web archive | Archived since 20075000 snapshots | Clear |
| 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).
- Public web-archive history exists since 2007.
- No flags from the reputation services TrustSniffer consulted at assessment time.
Full analysis
Overview
Credit Karma is a corporate financial-services website presenting free credit scores, credit reports, credit-card and loan comparisons, auto-insurance resources, financial education, and account-support links. Its apparent business model is to provide these services at no direct cost while monetizing partner offers, referrals, and advertising; the observed page is a temporary maintenance notice rather than a transactional form.
Scam/Impersonation Risk
No contradictions were observed across the supplied evidence: there were no phishing, impersonation, blacklist, or malicious-content indicators, and the observed maintenance page uses a coherent Credit Karma identity with standard company, security, privacy, and account-support navigation. The site’s long registration continuity, substantial historical presence, strong public traffic footprint, and clean external reputation are mutually consistent with an established website. The operator’s real-world identity is not independently verified by this assessment, so the legitimacy conclusion remains evidence-consistent rather than proven.
- External reputation checks recorded 0 malicious detections, 0 suspicious detections, and no phishing or blacklist finding for the domain.
- Domain registration: 2005-08-30; age 20.96 years; registrar: MarkMonitor Inc.
- Web archive: 5,000 snapshots spanning 2007–2022, covering 16 tracked years.
- The observed error page identifies “Credit Karma,” presents standard credit-service categories, and contains no detected impersonation or phishing indicators.
Regulatory Verification Notes
The site presents a conventional consumer-credit information and financial-product referral model, covering credit scores, reports, credit cards, personal loans, auto loans, student loans, auto insurance, reviews, calculators, and educational resources. Its page links to Company Info, About, Security Practices, Privacy Policy, and Terms of Use, but the supplied content does not independently establish the legal operator or present a license or registration number; this is a verification point rather than evidence of wrongdoing. No third-party broker match was identified. The available technical and reputation evidence otherwise supports an established, apparently legitimate service.
- The observed page describes free credit scores, full credit reports, and financial-product recommendations supported by partner offers and advertising.
- The page exposes links for About Credit Karma, Security Practices, Privacy Policy, and Terms of Use, while the supplied content contains no license or registration number.
- TLS certificate: DigiCert EV RSA CA G2, EV validation, subject organization Credit Karma LLC, valid through 2026-10-21.
What to Verify Next
Before credential or payment interactions, independently confirm the operator named in the site’s corporate information through an appropriate corporate registry and review the applicable terms, privacy, referral, and payment-protection provisions. Where a specific financial product is subject to authorization, confirm the relevant provider and authorization status directly with the applicable regulator or provider. Confirm official support and contact channels through an independent route rather than relying solely on information presented during an account session.
- The operator identity is not independently verified despite the site presenting corporate and account-support navigation.
- The business model includes partner offers and referrals, making provider-level terms and payment protections relevant to any subsequent product interaction.
- The observed page is a maintenance notice and contains no sensitive form, password submission form, external password post, wallet connection, or suspicious script activity.
Summary Verdict
The overall posture is high trust and low risk, with convergent evidence of an established, apparently legitimate website and no observed scam or impersonation contradictions. Confidence is strong but not absolute because independent connection to the real-world operator has not been established.
Infrastructure Integrity
The site is protected by Akamai CDN/WAF infrastructure, with observed edge address 23.218.66.154 on AS16625; one potential origin candidate was also identified. This mainstream protective architecture mitigates direct exposure and supports infrastructure integrity, but it is not by itself proof of organizational legitimacy.
- Hosting: AS16625, AKAMAI-AS — Akamai Technologies, Inc., US.
- Observed edge IP: 23.218.66.154; infrastructure records show 1 edge IP and 1 likely origin candidate.
- CDN/WAF: Akamai protection detected; resolution status: resolved.
Closing Assessment
The site is suitable for ordinary service evaluation, subject to the standard independent identity, authorization, terms, and payment-protection checks appropriate before submitting credentials or initiating a financial transaction.
Written analysis generated 2026-08-11 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.com.
- The request stayed on creditkarma.com. It was not redirected to another domain. Clear
- Registration is published under MarkMonitor Inc.. Clear
- DNS for this domain is served by akam.net, across 10 name servers. Noted
- The registration is paid up to 2028-08-30. Clear
- The earliest public archive of this site is from 2007-10-12. Clear
- It is hosted on AKAMAI-AS, from a server in US. Noted
Domain intelligence
| Registrar | MarkMonitor Inc. |
|---|---|
| Hosting | AKAMAI-AS - Akamai Technologies, Inc., US |
| Country | US |
| Server IP | 23.218.66.154 |
| 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 | 2026-10-21 |
| Domain age | 20.96 years (continuous registration) |
| Domain expiry | 2028-08-30 |
| Archive first seen | 2007-10-12 |
| Archive snapshots | 5000 |
| Reputation | VirusTotal: 0 flagged | AbuseIPDB: 0 reports | Google Safe Browsing: 0 matches |
About this assessment
A trust score summarises the evidence TrustSniffer could collect about creditkarma.com 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.