# Credit Karma

> Credit Karma is a consumer finance platform that gives more than 130 million members in the U.S., Canada and U.K. free, ongoing access to their credit scores and reports, plus monitoring, recommendations and tools for credit cards, loans, insurance and more. Founded in 2007 by Kenneth Lin, Ryan Graciano and Nichole Mustard, the company built a 'freemium' model funded by lenders rather than consumers and was acquired by Intuit in 2020 in a roughly $7.1 billion deal.

- **Founded:** 2007
- **Headquarters:** Oakland, California, United States
- **Founders:** Kenneth Lin (Co-founder & CEO), Ryan Graciano (Co-founder & CTO), Nichole Mustard (Co-founder & former Chief Revenue Officer (departed 2023))
- **Team size:** ~2,000 employees
- **Products:** Free Credit Scores & Reports, Credit Monitoring & Identity Alerts, Card & Loan Recommendations, Credit Spark, Insurance & Loan Comparison
- **Notable:** Distributed its one-millionth free credit score within roughly two years of launching., Grew to more than 130 million members across three countries., Acquired by Intuit in 2020 for approximately $7.1 billion, one of fintech's largest deals.

## Products & services

- **Free Credit Scores & Reports** — Free, unlimited access to credit scores and reports from Equifax and TransUnion, based on the VantageScore 3.0 model, with no impact to the user's score.
- **Credit Monitoring & Identity Alerts** — Daily credit monitoring and identity-theft alerts that notify members of important changes to their credit profile.
- **Card & Loan Recommendations** — Personalized credit card, personal loan, auto loan and refinance offers with 'approval odds' that estimate likelihood of acceptance before applying.
- **Credit Spark** — A free tool that reports up to two years of past rent, utility and phone bill payments to TransUnion to help members build credit history.
- **Insurance & Loan Comparison** — Comparison shopping for auto insurance, personal, auto and home loans.
- **Banking & Money Tools** — Savings and checking accounts, net worth tracking, and financial calculators.
- **Tax Filing (powered by TurboTax)** — Full-service tax filing integrated with Intuit's TurboTax.

## Achievements

- Distributed its one-millionth free credit score within roughly two years of launching.
- Grew to more than 130 million members across three countries.
- Acquired by Intuit in 2020 for approximately $7.1 billion, one of fintech's largest deals.
- Reached ~$2.3 billion in annual revenue by full-year 2025.
- Launched Credit Spark to let members build credit from rent and utility payments.

## Latest updates

- **2025-08** — Intuit Credit Karma reported roughly $2.3 billion in revenue for full-year fiscal 2025, up about 32%.
- **2025-01** — Expanded Credit Spark, helping members build credit using rent, utility and phone payment history reported to TransUnion.
- **2023-12** — Co-founder Nichole Mustard stepped down after more than 16 years.

## Links

- Website: https://www.creditkarma.com
- LinkedIn: https://www.linkedin.com/company/intuit-credit-karma
- Twitter/X: https://twitter.com/CreditKarma
- YouTube: https://www.youtube.com/user/creditkarma
- Instagram: https://www.instagram.com/creditkarma/
- Facebook: https://www.facebook.com/CreditKarma
- TikTok: https://www.tiktok.com/@creditkarma

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Profile page: https://yespress.io/credit-karma
Published by YesPress — https://yespress.io
Last updated: 2026-06-02