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Credit Karma vs Experian: which app has fewer problems?

We compared 300 recent App Store reviews of Credit Karma and 300 recent App Store reviews of Experian, each classified by AI into 7 complaint themes (samples from up to 6 storefronts, latest review 2026-10-22). Experian has the fewest complaints overall: 31% of its recent reviews contain a complaint, vs 39% for Credit Karma.

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Ratings at a glance

App	All-time US rating	Ratings	Avg in our sample	Reviews analysed	Reviews with a complaint	Sample dates
Credit Karma	4.8★	7.8M	2.97★	300	39%	2026-09-15 – 2026-10-22 (38 d)
Experian	4.8★	2.7M	3.44★	300	31%	2026-08-16 – 2026-10-22 (68 d)

Complaint themes side by side

Share of all analysed reviews that mention each theme (review count in brackets). Bold = lowest. A review can mention several themes.

Theme	Credit Karma	Experian
Bugs	27% (81)	17% (51)
Crashes / freezes	1% (3)	2% (5)
Performance	5% (16)	1% (4)
UX / design	4% (13)	4% (12)
Pricing / subscription	3% (10)	12% (36)
Ads	7% (20)	6% (17)
Feature requests	10% (30)	8% (23)

Verdict: which one has fewer problems?

Across the latest 600 App Store reviews we collected, Experian has the lowest share of reviews with a complaint (31%) and Credit Karma the highest (39%). The biggest single difference is in bug complaints: 27% of Credit Karma reviews mention them, vs 17% for Experian. Each app's own biggest complaint theme: Credit Karma, bugs (81 reviews); Experian, bugs (51 reviews). Average star rating in the samples ranges from 2.97★ (Credit Karma) to 3.44★ (Experian). Time span of each sample: Credit Karma 38 days (2026-09-15 to 2026-10-22); Experian 68 days (2026-08-16 to 2026-10-22). The samples cover comparable periods, so the comparison is reasonably like-for-like.

Fewer bug problems: Experian, 17% of its reviews vs 27% for Credit Karma.
Crash and freeze complaints: roughly tied (Credit Karma 1%, Experian 2% of reviews).
Fewer performance (slowness, battery, storage) problems: Experian, 1% of its reviews vs 5% for Credit Karma.
UX / design complaints: roughly tied (Credit Karma 4%, Experian 4% of reviews).
Fewer pricing and subscription problems: Credit Karma, 3% of its reviews vs 12% for Experian.
Ad complaints: roughly tied (Credit Karma 7%, Experian 6% of reviews).
Feature-request complaints: roughly tied (Credit Karma 10%, Experian 8% of reviews).

Gaps under 3 percentage points are called a tie. Samples are recent reviews only, so this is a snapshot of current problems, not all-time quality.

Top 3 specific issues for each app

Credit Karma

Improve content quality (66 reviews, severity 2.1/3)
Answer support requests (30 reviews, severity 2.3/3)
Fix login / account access (25 reviews, severity 2.5/3)

Biggest theme: bugs. Free PDF

Experian

Fix login / account access (38 reviews, severity 2.5/3)
Answer support requests (34 reviews, severity 2.5/3)
Fix notifications (24 reviews, severity 2.0/3)

Biggest theme: bugs. Free PDF

FAQ

Which has fewer problems overall: Credit Karma or Experian?

In the most recent App Store reviews we analysed, Experian had the lowest share of reviews with a complaint (31% of 300) and Credit Karma the highest (39% of 300). Credit Karma: 116 of 300; Experian: 94 of 300.

Which has fewer bug complaints: Credit Karma or Experian?

Experian. Credit Karma: 81 of 300 recent reviews (27%); Experian: 51 of 300 recent reviews (17%).

Which has fewer crash and freeze complaints: Credit Karma or Experian?

In our samples they are roughly tied: Credit Karma: 3 of 300 recent reviews (1%); Experian: 5 of 300 recent reviews (2%).

Which has fewer pricing and subscription complaints: Credit Karma or Experian?

Credit Karma. Credit Karma: 10 of 300 recent reviews (3%); Experian: 36 of 300 recent reviews (12%).

Which has fewer ad complaints: Credit Karma or Experian?

In our samples they are roughly tied: Credit Karma: 20 of 300 recent reviews (7%); Experian: 17 of 300 recent reviews (6%).

Which is rated higher on the App Store: Credit Karma or Experian?

All-time US App Store ratings: Credit Karma 4.8★ from 7.8M ratings; Experian 4.8★ from 2.7M ratings. Experian is highest, but all-time ratings move slowly; the recent-review samples above show current problems.

How recent is this Credit Karma vs Experian data?

Each sample is the most recent public App Store reviews we could collect (from up to 6 storefronts): Credit Karma: 300 reviews over 38 days (2026-09-15 to 2026-10-22); Experian: 300 reviews over 68 days (2026-08-16 to 2026-10-22). It is a snapshot of current problems, not all-time quality.

What is the most common complaint about Credit Karma and Experian?

Credit Karma: bugs (81 of 300 reviews), top-ranked fix: “improve content quality”; Experian: bugs (51 of 300 reviews), top-ranked fix: “fix login / account access”.

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