Credit Karma is only out for money. I signed up for a "credit card" it told me I qualified for thinking the Company is about helping you with credit. Well after a few months with it I noticed it wasn't posting anything on my credit. It turned out to be a loan on a card...useless to build credit. I can't call them to discuss my complaint and now I have a line of credit I will probably never use. There are other apps to monitor credit. I don't trust credit Karma anymore.