 According to their website, WalletHub.com, the company's services are 100% free and there is no credit card needed to sign up. They offer similar services to Credit Karma, like full copies of your credit reports, 24-7 credit monitoring, ways to improve your credit score, and ways to save money on credit cards and loans. One thing WalletHub offers that Credit Karma does not is access to your Experian credit report. And with WalletHub, you can even get a free personalized debt payoff package