To change your phone number on Credit Karma, log into your account and update it in your security settings, or use the account recovery flow if you cannot log in. This process keeps your contact information current so you can receive important account alerts and verify your identity.
How to change your phone number on Credit Karma when logged in
Desktop or web browser
- Navigate to Profile & Settings, then Security & Privacy.
- Tap Edit next to your current phone number.
- Enter your new number, then tap Text me a code or Call me with a code.
- Enter the verification code you receive and tap Verify to complete the change.
iOS app
- Tap the menu icon, then Profile, then Security & Privacy.
- Tap Edit next to your phone number, enter your new number, then tap Continue.
- Tap Text me, enter the code sent to your new number, and tap Verify.
Android app
- Tap the menu icon, then Settings, then Contact & Security.
- Tap Text me, enter the code, and tap Verify.
How to change your phone number on Credit Karma when you cannot log in
- Visit the account recovery page and enter the email address associated with your account.
- On that page, tap Changed your phone number? and enter your new phone number.
- Choose to receive a verification code by text or call.
- Enter the code, tap Continue, and answer a few identity-verification questions.
Changing your phone number on accounts that you can no longer access is exactly what this flow is designed for, so you can regain access without your old number.
Phone number requirements and restrictions
Your new phone number must be attached to a mobile device or landline and be a valid U.S. number. It cannot already be in use on another Credit Karma account. Credit Karma does not support international numbers or VOIP numbers like Google Voice or Skype. Some phone numbers associated with payphones or pre-paid mobile phones may also not be accepted for security reasons.
What to do if you have a Credit Karma Savings account and cannot log in
If you have a Credit Karma Savings account and cannot log in, do not replace your existing account; instead, contact member support for assistance. Creating a new account could disrupt your savings account and linked services.
Troubleshooting verification code issues
If you have trouble receiving the verification code, Credit Karma provides troubleshooting steps. Check that your new number is entered correctly, ensure your device has service, and confirm that you have not blocked text messages or calls from Credit Karma. If the code still does not arrive, try the call option instead of text.
Frequently Asked Questions
Does changing my phone number affect my credit score?
No. Updating your phone number on Credit Karma has no effect on your credit score. It only updates your contact information for account notifications and security.
Can I change my phone number on Credit Karma from the mobile app?
Yes. You can change your number from both the iOS and Android apps by going to Settings or Profile, then Security & Privacy or Contact & Security, and following the same verification steps as on the web.
How do I change my trusted phone number if I still have access to my account?
To change my trusted phone number while logged in, follow the desktop or app steps above: go to Security & Privacy, edit your number, verify it, and the new number becomes your trusted contact method for future verifications.
What if I run into problems during the update?
If you encounter errors, first confirm your new number meets the requirements (U.S. mobile or landline, not VOIP, not already on another account). If problems persist, contact Credit Karma member support directly through their help center.
Can I use a landline number for verification?
Yes. A valid U.S. landline is accepted. When you choose to receive the code, select Call me with a code so the automated system can deliver it over the phone.
