After you file

Don't use Credit Karma. I opened opted to have my 2023 refund go onto that card. Then using it to "build my credit". I had so many fraudulent charges on there. I had random text messages from "credit karma" even calling me Jessica. They knew exactly how much money I had in my account, they misspelled words. I closed that account due to fraudulent activity and then my credit score dropped 50 points.