Credit Karma is a popular free credit score and monitoring tool, but it is not an official credit bureau. It gives users access to their credit reports and scores from TransUnion and Equifax, helping people understand and track their credit health. However, Credit Karma itself does not collect credit data or make lending decisions. Instead, it offers recommendations for credit cards, personal loans, and refinancing options—often tailored to your profile. If you're trying to build or repair credit, it's an excellent resource for monitoring progress and comparing the best credit card offers, but it plays no official role in generating or updating your credit file.