Don't use credit karma. I opted to use credit karma for my 2023 tax refund. And also it was supposed to help build my credit. I had so many fraudulent charges on my card that I locked it when I wasn't using it. Then I started to receive text messages from "credit karma" even calling me Jessica one day, they misspelled words. I knew it was fraud so I cancelled my account and my credit dropped 50 points.
