"A credit score without a report is like trying to hit a bull's-eye on a moving target," said Ken Lin, chief executive and founder of Credit Karma.

Credit Karma's Latest Act: Making Access to Credit Reports Easier

Free credit scores are so seven years ago. Credit Karma, an educational site for consumers that makes money from sending customer leads to lenders, is now publishing free full credit reports on a more frequent basis. The idea is to better educate borrowers who are in the market for credit while collecting better leads for its bank partners.

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