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Re:Credit Karma Has Raised $175M on a Valuation of $3.5B by ari_ on Tuesday June 23, 2015 @04:57PM (#9767742)
Sounds like a typical out of wallet type service. For Developers there's BlockScore, but the most used one is probably Experian's.
Re:Credit Karma Has Raised $175M on a Valuation of $3.5B by Atlas on Wednesday June 24, 2015 @12:45PM (#9772815)
Likely TransUnion or Equifax since CreditKarma has direct relationships.