The complexity of credit scores

Credit Karma distills many datapoints of your financial life into a single score.

But not only is the calculation confusing to truly understand, it's a boring enough subject that many people struggle to find an incentive to try.

That is, until a major borrowing event—like getting a mortgage.

According to a poll, 44% of Gen Z'ers (1997 → 2012) don't know their credit score, with 25% admitting that they didn't know how to find out.

Credit Karma claims to have more than 100 million users worldwide, but are they providing suitable education to convert that additional cohort?

In short; no, they're not—here's why.