Credit Karma is an American personal finance company that provides free credit scores, credit reports, and credit monitoring services to consumers. The company was founded in 2007 and is headquartered in San Francisco, California. Credit Karma's services are free to use and the company makes money by offering its users personalized financial products such as credit cards, loans, and insurance. Users can also get customized recommendations for financial products based on their credit profile. Credit Karma also provides educational resources, such as articles and tools, to help users understand and improve their credit scores. The company's goal is to make credit information more accessible and transparent, so consumers can make better financial decisions.