 Credit Karma, you get free 24-7 access to your account, which includes credit reports for two out of the three major credit bureaus, TransUnion and Equifax. The company's algorithm also analyzes the strengths and weaknesses of your credit report and makes personalized recommendations. So how does Credit Karma make money? Well, with those recommendations, you can apply for credit cards and loans from the website or within the app. And if you are approved, the company will make a small commission from the bank or lender.