I've been receiving offers for credit cards and loans for months. Finally applied for one and was immediately denied. Applied for a different credit card and when the approval came through with my *actual* FICO score rather than the imaginary one Credit Karma creates with their algorithm I was shocked that it was more than 60 points lower. Credit Karma has lost all credibility with one fell swoop. Uninstalling and unsubscribing from all marketing. Losers.