Credit Karma: sourced choices

16 product and go-to-market choices, oldest first. Back to the case study

2008Product · Credit information Kept access to credit information free. CK2
2017Product · Credit simulator Offered a simulator for changes to a credit profile. CK2
2017Product · Report disputes Built Direct Dispute after feedback about correcting errors. CK2
2017Go_To_Market · Founder outreach Lin answered credit-forum users directly. CK2
2017Go_To_Market · Referrals Lin identified word of mouth as the majority acquisition route. CK2
2018Go_To_Market · Approval messaging Used pre-approval messages challenged in the FTC complaint for 2018-2021. CK6
2020-02-24Product · Loan shopping Offered shopping for personal, home and auto loans. CK3
2020-02-24Product · Savings Offered savings through bank partner MVB. CK3
2020-02-24Product · Identity monitoring Included identity monitoring among free services. CK3
2020-02-24Product · Tax preparation Offered free tax filing before the acquisition. CK3
2020-02-24Go_To_Market · Geographic reach Served members in the US, Canada and UK. CK3
2020-02-24Go_To_Market · Mobile access Supported a member base whose active use was predominantly mobile. CK3
2021-07-31Go_To_Market · Payer Charged financial-product providers for acquisition actions. CK4
2021-07-31Go_To_Market · Alternative billing Also monetized clicks and leads. CK4
2023-01-19Go_To_Market · Approval controls Accepted consent-order restrictions on approval claims. CK6
2025-07-31Product · Insurance marketplace Operated an auto-insurance referral business. CK7