Export CreditKarma Transactions

A ruby script to export transactions from creditKarma to json and csv. Especially useful if you forgot to export your Mint data before being forced to move. Easily importable to Monarch Money

I didn't use anything not in the Ruby stdlib, so should be easy to get running even for those not too familiar with Ruby.

I was able to get my transactions that had previously been in Mint all the way back to 2008 when I started using it.

Usage

git clone https://github.com/mmrobins/creditkarma_export_transactions.git
cd creditkarma_export_transactions

Or if you don't want to have to mess with using git, you can just copy the code in the fetch_credit_karma_transactions file in this repository, and paste it into a local file with the same name.

Then get the access token, and in the directory with the fetch_credit_karma_transactions file run

export MY_ACCESS_TOKEN=eyJetc
ruby fetch_credit_karma_transactions

Example output

    total transactions: 100, last date: 2024-04-20
    getting next page cursor: dHhuIzIwMjQtMDQtMjAjMTg5ODI0MTU1MV8w
    total transactions: 200, last date: 2024-03-31
    ...
    getting next page cursor: dHhuIzIwMDgtMDgtMjIjMjM5OTM2MzNfMA==
    total transactions: 27455, last date: 2008-05-14

    done

Now do what you want with the creditkarma_transactions.csv and creditkarma_transactions.json files that were generated. The CSV is in the format Mint used to use so can be uploaded fairly easily to other services. The JSON file is a verbose dump of the GraphQL API results that creditKarma returns, just in case there's data in there that isn't correctly parsed and dumped to the CSV

Access Token

You can get your access token by logging into credit karma, visiting https://www.creditkarma.com/networth/transactions, and copying the authorization header value (minus the word 'Bearer') using the browser's dev tools in the Network section

You can get the token from anywhere on the site, but if you have second factor auth (2FA) you might have to visit https://www.creditkarma.com/networth/transactions specifically and make sure you can see transactions before the token will work.

Here's an example of what the would look like in Chrome's Dev Tools

This token expires after as few minutes (10ish?), so you might have to grab it again and restart

Resuming after token expiration

After the token expires, you can restart where you left off by setting the START_CURSOR environment variable to the last attempted cursor value

Example:

$ export MY_ACCESS_TOKEN=eyJMyNewtoken
$ ruby fetch_credit_karma_transactions
total transactions: 100, last date: 2024-01-10
...
total transactions: 1900, last date: 2023-02-21
getting next page cursor: dHhuIzIwMjMtMDItMjEjMTgzODQ4MzIzMF8w
fetch_credit_karma_transactions:42:in `get_transactions': error: 401 body: {"errorCode":"TOKEN_NEEDS_REFRESH"} (RuntimeError)

$ START_CURSOR=dHhuIzIwMjMtMDItMjEjMTgzODQ4MzIzMF8w ruby fetch_credit_karma_transactions

Debugging

Set the env var DEBUG=1 to see the json entries for each transaction printed as they're processed. This uses awesome_print, so you might need to run gem install awesome_print

TODO

Might be nice to handle the TOKEN_NEEDS_REFRESH automatically, but that'd require setting the refresh token initially as well, which is probably just as much work as setting the START_CURSOR value from where it left off.

Would be nice to cleanup the gigantic graphql query I copied to just what's needed, but who cares, it works, and it's tedious to modify