To obtain a copy, consumers have to apply through AnnualCreditReport. But these reports don’t include your credit score, which is an important financial figure everyone should know. In the past, the only way to obtain it was by purchasing the score directly from each agency, which often came at a hefty price. You sign up with creditkarma. Credit Karma also provides free online tools and information to help you understand your score. Credit Karma has made transparency central to its business model. The company aims to demystify credit for the average person and make it easy to understand. According to the company website, its revenues come from tailored, targeted advertising by financial companies on creditkarma.