And, at the end of the day, Credit Karma provides really useful insights into your credit health. And while they may use personal information to serve ads, they’re not sharing it with third parties (to my knowledge).
I’ve been using the service for over five years. That said, I would agree that the financial data makes it a bit more personal.
It’s no different than Facebook using your likes to serve ads based on your interests. If there’s a downside to Credit Karma, it’s the fact that, yes, they’re using your personal credit data to advertise to you. For example, if you have excellent credit, banks are willing to pay big bucks to target you with their best loans and credit cards because it’s ultimately cheaper for them over running generic ads to millions of people who may never qualify for their products. Specifically, very targeted advertising based on your financial habits. How does CreditKarma give you a totally free credit score when other services want to charge $20 a month or more?
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