In their own words

“The principle of Karma is common to many beliefs. The general idea is that any action a person takes either positive or negative, will have an inevitable equal effect in the future. Your credit score is kind of an expression of this concept; an index of your credit history: your credit karma. Credit Karma embodies the best parts of these two disparate yet similar concepts to help people stay aware of their Credit Score and gain access to exclusive deals at the same time.”

	Why it might be a killer

Credit Karma is giving consumers something they've never had before - the ability to access a truly free credit score as often as they need to, an then to use it to gain preferred pricing on products they desire. Consumers can use Credit Karma to track the improvement of their credit scores and their subsequent appeal to lenders, while at the same time leveraging their responsible financial behavior to gain something in return. There is no one like Credit Karma.

	Some questions

Will people pay for the premium services and only use Credit Karma to look at their Credit Score? Will those who only look at their credit score get bombarded by advertisements from third party partners?