Between the fees, dings, forgetting answers to security questions, and the nerve-racking wait, finding out your score is a necessary evil. Credit Karma is an example of a company walking through the process and feeling the customer’s pain. Then saying right, how can we make this nice and useful. 
Its solution works on the belief that people should be able to access their credit scores at anytime, for free. They make the inquiry on your behalf and because its a soft inquiry there are no dings. The site is clad with offers of more credit opportunities, which is a bit like gym lined with candy vending machines but sponsors make the service free and that’s good thing for the customer.
Credit Karma also helps you learn how to manage credit using your own real-time information. Visually seeing the dip that a couple of late payments made, means you’re likely to pay closer attention going forward. Users can also play with what-if scenarios to see how paying a chunk down could improve credit, and make more informed spending plans.
In essence they shine a light where people have been kept in the dark. Useful products break through barriers, lift-veils and teach skills.