Are you talking about credit scores because if that's the case you have completely misunderstood credit karma's product

Credit Karma is actually quite helpful: it sheds light on the shadowy practices of credit rating agencies. It's true that consumer credit rating should be burned down with extreme prejudice, but Credit Karma the app is probably the one thing that doesn't suck.

I'm a bit confused by this comment. Are you talking about Equifax and Transunion credit scores or is Credit Karma going above and beyond that in a way that i'm not aware of?

To be technical, CK doesn’t rate you, it just shows you your ratings from 2 credit agencies