| 词条 | Credit Karma |
| 释义 |
| name = Credit Karma, Inc. | logo = Credit Karma logo.svg | image = | type = Private | industry = Personal finance, Software, Financial technology | founders = Kenneth Lin Ryan Graciano Nichole Mustard | key_people = Kenneth Lin {{small|(Founder and CEO)}}, Ryan Graciano {{small|(CTO and Co-Founder)}}, Nichole Mustard {{small|(CRO and Co-Founder)}} | products = Credit scores, credit reports, credit monitoring, tax preparation | revenue = $370 million (2015), Over $500 million (2016)[1] | num_employees = 700[2] | foundation = {{start date and age|2007|03|08}} | location = San Francisco, California, U.S. | homepage = {{URL|CreditKarma.com}} }}Credit Karma is an American multinational personal finance company, founded on March 8, 2007,[3] by Kenneth Lin, Ryan Graciano and Nichole Mustard.[4] It is best known as a free credit and financial management platform, but its features also include free tax preparation, monitoring of unclaimed property databases[5] and a tool to identify and dispute credit report errors.[6] All of Credit Karma’s services are free to consumers.[7] Revenue from targeted advertisements for financial products offsets the costs of its free products and services. Credit Karma earns revenue from lenders, who pay the company when Credit Karma successfully recommends customers to the lenders.[8] Products and servicesCredit Karma provides free credit scores and credit reports from national credit bureaus TransUnion and Equifax, alongside daily credit monitoring from TransUnion.[9] Users can see updates to their credit scores and credit reports on Credit Karma once a week.[10] Credit Karma also provides credit tools, such as a Credit Score Simulator, which simulates the effect of potential financial actions on a user's credit score;[11] and tailored financial recommendations based on each individual user's credit profile. In addition to its free credit reports and tools, Credit Karma offers a My Spending Tool through account aggregation service Yodlee, which allows users to track their banking, credit card and loan balances and transactions within Credit Karma. Credit Karma also hosts user forums and financial product reviews and financial calculator tools. In 2015, Credit Karma began its "My Money Story" campaign, in which the company encouraged customers to share their experiences on often taboo financial matters openly with the world using the social media hashtag "#MyMoneyStory". The company produced several short films about individuals and their personal financial experiences.[12] In December 2016, Credit Karma announced Credit Karma Tax, its tax preparation online service that allows most Americans to file their federal and state taxes at no cost.[13] On June 28, 2017, the company announced it filed 1 million tax returns in its debut tax season in six months.[14] On May 9, 2017, Credit Karma launched Unclaimed Money in seven states. The product that helps users find unclaimed money, such as unclaimed refunds and insurance payouts.[15] Acquisitions2015On December 30, 2015, Credit Karma acquired mobile notifications app developer Snowball for an undisclosed amount.[16] 2016On December 7, 2016, Credit Karma acquired AFJC Corporation, owner of OnePriceTaxes.com.[17] In 2016, Credit Karma acquired money reclamation service Claimdog.[18] 2018On March 14, 2018, Credit Karma acquired personal finance company Penny for an undisclosed amount.[19] On August 16, 2018, Credit Karma acquired mortgage platform Approved for an undisclosed amount.[20] Founder and investorsKenneth Lin, who previously founded Multilytics Marketing and worked with E-Loan and Upromise,[21] launched Credit Karma in 2007, with the website going live in February 2008.[22] Early investors include Chris Larson, CEO of Prosper, and Mark Lefanowicz, former president of E-Loan.[23]In November 2009, Credit Karma closed a $2.5 million Series A funding round led by QED Investors with participation from SV Angel, Felicis Ventures and Founders Fund.[24] In 2013, Credit Karma secured $30 million in Series B funding led by Ribbit Capital and Susquehanna Growth Equity.[25] In March 2014, Credit Karma raised $85 million in Series C financing, led by Google Capital with participation from Tiger Global Management and existing investors.[26] The company followed that with $75 million in follow on funding in September 2014 from Google Capital, Tiger Global Management and Susquehanna Growth Equity.[27] As of 2015, Credit Karma has raised $368.5 million in financing, at a valuation of $3.5 billion.[28] See also
References1. ^{{cite web|title=Why Credit Karma loves taxes|url=http://www.bizjournals.com/sanfrancisco/news/2017/06/27/credit-karma-taxes-san-francisco-fintech-credit.html|accessdate=30 June 2017}} 2. ^{{cite web|title=Credit Karma touts $500 million in revenues|url=https://techcrunch.com/2017/06/27/credit-karma-number-dump/|accessdate=30 June 2017}} 3. ^{{Cite web|url=https://opencorporates.com/companies/us_de/4313894|title=CREDIT KARMA, INC. :: OpenCorporates|website=opencorporates.com|access-date=2018-12-25}} 4. ^{{Cite web|url=https://www.creditkarma.com/about|title=About Credit Karma {{!}} Credit Karma|website=www.creditkarma.com|access-date=2017-03-24}} 5. ^{{Cite web|url=https://techcrunch.com/2017/05/09/credit-karma-unclaimed-money/|title=Credit Karma now helps users find unclaimed cash|last=Lawler|first=Ryan|website=TechCrunch|access-date=2017-05-09}} 6. ^{{Cite news|url=https://www.nytimes.com/2016/12/07/business/dealbook/automated-assistants-will-soon-make-a-bid-for-your-finances.html|title=Automated Assistants Will Soon Make a Bid for Your Finances|last=Popper|first=Nathaniel|date=2016-12-07|work=The New York Times|access-date=2017-03-24|issn=0362-4331}} 7. ^{{cite web|url=https://www.bloomberg.com/bw/articles/2014-07-30/a-free-credit-report-with-no-strings-attached-dot-honest|title=A Free Credit Report With No Strings Attached. Honest|last=Vance|first=Ashlee|date=2014-07-30|work=Bloomberg Businessweek|accessdate=2014-11-04}} 8. ^{{cite web|url=https://www.creditkarma.com/faq/howitworks|title=How it Works|website=Credit Karma|archive-url=https://web.archive.org/web/20160916132043/https://www.creditkarma.com/faq/howitworks|archive-date=2016-09-16|dead-url=no|quote=If you get a product through one of our recommendations, the bank or lender pays us.|accessdate=2016-09-21}} 9. ^{{cite news |url=http://www.investopedia.com/articles/personal-finance/010815/why-credit-karma-free-how-it-makes-money.asp |title=Why Credit Karma Is Free & How It Makes Money |last=Basia |first=Hellwig |date=2015-02-02 |work=Investopedia |accessdate=2015-04-03 }} 10. ^Free score providers | VantageScore Solutions 11. ^{{Cite news|url=https://www.wsj.com/articles/SB10001424052748704252004574459011384380556|title=Credit Scores: Can You Get Them Free?|last=Kim|first=Jane J.|date=2009-10-08|work=Wall Street Journal|access-date=2017-05-09|issn=0099-9660}} 12. ^{{cite web|title=My Money Story Series: Credit Karma Talks Finances, Credit and Debt {{!}} Webinar Recap|url=https://www.kabbage.com/blog/credit-karma-talks-finances-credit-and-debt-webinar-recap|website=Kabbage|accessdate=10 July 2018|date=28 April 2016}} 13. ^{{cite web|url=https://blog.creditkarma.com/credit-karma/holiday-gift-credit-karma-dont-pay-filing-your-taxes-ever-again/|title=A Holiday Gift from Credit Karma: Don’t Pay for Filing Your Taxes Ever Again|publisher=Credit Karma|last1=Lin|first1=Kenneth|accessdate=22 December 2016}} 14. ^{{Cite news|url=https://www.cbinsights.com/blog/credit-karma-uber-financial-services-loans-tax-prep/|title=Credit Karma’s Lin: The Goal Is To Make Financial Services Frictionless|date=2017-06-28|work=CB Insights - Blog|access-date=2017-06-30|language=en-US}} 15. ^{{cite web|last1=Lawler|first1=Ryan|title=Credit Karma now helps users find unclaimed cash|url=https://techcrunch.com/2017/05/09/credit-karma-unclaimed-money/|website=TechCrunch|accessdate=2 June 2017}} 16. ^{{Cite news|url=https://techcrunch.com/2015/12/30/credit-karma-acquires-innovative-mobile-notifications-startup-snowball/|title=Credit Karma Acquires Innovative Mobile Notifications Startup Snowball|work=TechCrunch|access-date=2018-08-16|language=en-US}} 17. ^{{Cite web|url=https://blogs.wsj.com/moneybeat/2016/12/07/credit-karma-hopes-to-score-on-tax-preparation/|title=Credit Karma Hopes to Score on Tax Preparation|last=Rudegeair|first=Peter|date=2016-12-07|website=WSJ|language=en-US|access-date=2018-08-16}} 18. ^{{Cite news|url=https://techcrunch.com/2017/05/09/credit-karma-unclaimed-money/|title=Credit Karma now helps users find unclaimed cash|work=TechCrunch|access-date=2018-08-16|language=en-US}} 19. ^{{Cite news|url=https://www.recode.net/2018/3/14/17112598/credit-karma-penny-acquisition|title=Credit Karma has acquired an instant message bot, Penny, that helps people track their spending|work=Recode|access-date=2018-08-16}} 20. ^{{Cite news|url=https://techcrunch.com/2018/08/16/credit-karma-acquires-mortgage-platform-approved/|title=Credit Karma acquires mortgage platform Approved|work=TechCrunch|access-date=2018-08-16|language=en-US}} 21. ^{{cite web|title="Kenneth Lin", LinkedIn|url=https://www.linkedin.com/in/kennethjlin}} 22. ^{{cite web|last1=Kincaid|first1=Jason|date=2009-11-04|title=Credit Karma Raises $2.5 Million To Take The Mystery Out Of Credit Scores|url=https://techcrunch.com/2009/11/04/credit-karma-raises-2-5-million-to-take-the-mystery-out-of-credit-scores/|website=TechCrunch|accessdate=4 April 2015}} 23. ^{{cite news |url=https://www.bloomberg.com/apps/news?pid=20601213&sid=aAiGZNFbaNcc |title=Credit Karma Introduces Free Credit-Card, Debt-Tracking Tool |last=Levinson |first=Rick |date=2009-06-09 |work=Bloomberg L.P. |accessdate=2009-07-27 |archiveurl=https://www.webcitation.org/64dpeZKta?url=http://www.bloomberg.com/apps/news?pid%3Dnewsarchive%26sid%3DaAiGZNFbaNcc |archivedate=2012-01-12 |deadurl=no |df= }} 24. ^{{cite news|url=https://techcrunch.com/2009/11/04/credit-karma-raises-2-5-million-to-take-the-mystery-out-of-credit-scores/ |title=Credit Karma Raises $2.5 Million To Take The Mystery Out Of Credit Scores |last=Kincaid |first=Jason |date=2009-11-04 |work=TechCrunch |accessdate=2010-09-02 |archiveurl=https://www.webcitation.org/64dpuJWkr?url=http://techcrunch.com/2009/11/04/credit-karma-raises-2-5-million-to-take-the-mystery-out-of-credit-scores/ |archivedate=2012-01-12 |deadurl=no |df= }} 25. ^{{cite web|url=https://www.creditkarma.com/about/releases/credit-karma-seriesb-funding|title=Credit Karma Secures $30 Million In Series B Funding|last=|first=|date=2013-04-02|website=|publisher=Credit Karma|archive-url=|archive-date=|dead-url=|accessdate=2014-11-04}} 26. ^{{cite web|url = https://techcrunch.com/2014/03/12/credit-karma-confirms-new-85m-financing-round-led-by-google-capital/|title = Credit Karma Confirms New $85M Financing Round Led By Google Capital|date = 2014-03-12|accessdate = 2014-05-21|website = TechCrunch|publisher = |last = Shieber|first = Jonathan}} 27. ^{{Cite news|url=https://techcrunch.com/2014/09/29/free-consumer-credit-monitoring-company-credit-karma-raises-75m-now-valued-at-over-1-billion/|title=Free Consumer Credit Monitoring Company Credit Karma Raises $75M, Now Valued At Over $1 Billion|last=Perez|first=Sarah|work=TechCrunch|access-date=2017-10-11|language=en}} 28. ^{{cite web|url=https://www.forbes.com/sites/samanthasharf/2015/06/23/credit-karma-raises-175-million-at-3-5-billion-valuation/|title=Credit Karma Raises $175 Million At $3.5 Billion Valuation|last1=Sharf|first1=Samantha|date=|website=Forbes|archive-url=|archive-date=|dead-url=|accessdate=June 1, 2015}} External links
5 : Companies based in San Francisco|Credit|Personal finance websites|500 Startups companies|Tax software |
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