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It is legitimate and reliable, yes. Credit Karma provides credit reports from two of the three major credit bureaus. You can pull these reports directory from the bureaus once per year for each company and compare them to the results on Credit Karma. Ive never seen a discrepancy that was noticeable.
These are the only ways to order your free annual credit reports: visit AnnualCreditReport.com. call 1-877-322-8228, or.
You can order a free copy of your credit report once a year online at the credit bureaus web site or by writing to the bureau.
AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPBs website. Dont be fooled by look-alike sites.
You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

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annualcreditreport.com is legit and will show you your reports from all 3 agencies, but theyre not the only site to get your credit report from.
How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.

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