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My free Credit Karma app helped my credit score spike by 50 points overnight - Business Insider

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She paid off more than $8,000 of debt in 10 months but her score seemed to be stuck

Even though I was successfully paying down my debt, I noticed that my credit score was stuck in the mid-600s. That is, until Credit Karma helped me solve a problem I didn't know I had and boost my score.Credit Karma started giving out free credit scores in 2007, and in 2014, it added full credit reports.

Best of all, you can use Credit Karma's credit services for free; the company makes money when customers sign up for products or services it promotes, such as credit cards or loans, but doesn't charge you to check your credit score or read your full report.If not for Credit Karma, my credit score would still be 652 instead of 702. That's because on May 28, I noticed something.

Fortunately, it wasn't a case of identity theft; it turns out that a family member had added me to their account years earlier to help me build up credit, and the debt was theirs.

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