Credit Karma is a free online platform that provides users with access to their credit scores and credit reports. It offers tools to help individuals understand their credit health and make informed financial decisions. Users can also receive personalized recommendations for financial products, such as credit cards and loans. In addition to credit monitoring, Credit Karma provides educational resources about credit management and financial literacy. The platform alerts users to any significant changes in their credit reports, helping them stay informed and take action if necessary. Overall, it aims to empower users to improve their financial well-being.