{
 "company": "credit-karma",
 "as_of": "2026-10-07",
 "choices": [
  {
   "id": "credit-karma-p01",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Credit information",
   "statement": "Kept access to credit information free.",
   "event_date": "2008",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "CK2"
   ]
  },
  {
   "id": "credit-karma-p02",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Credit simulator",
   "statement": "Offered a simulator for changes to a credit profile.",
   "event_date": "2017",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "CK2"
   ]
  },
  {
   "id": "credit-karma-p03",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Report disputes",
   "statement": "Built Direct Dispute after feedback about correcting errors.",
   "event_date": "2017",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "CK2"
   ]
  },
  {
   "id": "credit-karma-g03",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Founder outreach",
   "statement": "Lin answered credit-forum users directly.",
   "event_date": "2017",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "CK2"
   ]
  },
  {
   "id": "credit-karma-g04",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Referrals",
   "statement": "Lin identified word of mouth as the majority acquisition route.",
   "event_date": "2017",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "CK2"
   ]
  },
  {
   "id": "credit-karma-g05",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Approval messaging",
   "statement": "Used pre-approval messages challenged in the FTC complaint for 2018-2021.",
   "event_date": "2018",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK6"
   ]
  },
  {
   "id": "credit-karma-p04",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Loan shopping",
   "statement": "Offered shopping for personal, home and auto loans.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-p05",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Savings",
   "statement": "Offered savings through bank partner MVB.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-p07",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Identity monitoring",
   "statement": "Included identity monitoring among free services.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-p08",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Tax preparation",
   "statement": "Offered free tax filing before the acquisition.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-g06",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Geographic reach",
   "statement": "Served members in the US, Canada and UK.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-g07",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Mobile access",
   "statement": "Supported a member base whose active use was predominantly mobile.",
   "event_date": "2020-02-24",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK3"
   ]
  },
  {
   "id": "credit-karma-g01",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Payer",
   "statement": "Charged financial-product providers for acquisition actions.",
   "event_date": "2021-07-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK4"
   ]
  },
  {
   "id": "credit-karma-g02",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Alternative billing",
   "statement": "Also monetized clicks and leads.",
   "event_date": "2021-07-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK4"
   ]
  },
  {
   "id": "credit-karma-g08",
   "business": "Consumer credit information and financial-product referrals",
   "category": "go_to_market",
   "dimension": "Approval controls",
   "statement": "Accepted consent-order restrictions on approval claims.",
   "event_date": "2023-01-19",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK6"
   ]
  },
  {
   "id": "credit-karma-p06",
   "business": "Consumer credit information and financial-product referrals",
   "category": "product",
   "dimension": "Insurance marketplace",
   "statement": "Operated an auto-insurance referral business.",
   "event_date": "2025-07-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "CK7"
   ]
  }
 ]
}