www.creditkarma.com offers free credit scores to consumers no strings attached? Well they do offer free credit scores anytime a consumer would like to see them. The problem is they do not disclose what score it is and how it relates to your Fico score. Since the Fico Score is used be bankers to decide consumers risk levels when applying for a loan it is extremely important for consumers to know what their Fico score is. If your score with Credit Karma is 50 points lower than Fico it could be the difference between getting a loan or paying higher rates.