Credit Karma’s 50 million-strong member base accounts for 22 percent of all Americans with a credit profile in the United States, who use the platform to help them manage over $3 trillion in household debt. The company has given away more than one billion free credit scores since launching its product in March 2008, without charging members a penny to use its service.

Founded to bring new levels of transparency to consumer finance beginning with free credit scores, Credit Karma’s product expanded quickly to become a financial technology leader: adding full credit reports, daily credit monitoring, financial account monitoring, full credit information from two of America’s major credit bureaus, as well as educational tools and content for its members.

In 2015, it became the first platform to offer people without enough credit history to generate a credit score full weekly access to their credit report; and then launched Direct Dispute™, a free tool that allows people to dispute credit report errors directly from one of their credit reports using Credit Karma.

“We’re grateful to each of our 50 million members for trusting us to help them better manage their financial lives,” said Credit Karma founder and CEO Kenneth Lin. “This milestone is especially meaningful for us because with every new person we add we’re able to better serve all of our members, directly leveraging our growth to help us build better and more useful features for everyone that uses Credit Karma.”