As of October 2015, Credit Karma is only available to U.S. citizens with a valid Social Security number, states Credit Karma. Social Security numbers are used to match identities with Equifax and Transunion credit files.
A credit score is a three-digit number used to predict the risk of credit delinquency, states Bankrate. It is based on a mathematical algorithm that uses credit report information. Credit Karma provides a free credit score report to first-time users with no credit card required, according to Credit Karma. Interactive credit tools, calculators and debt management recommendations are also available. In addition, Credit Karma offers personalized credit card offers from advertisers.