Thanks for sharing your experience! That's good to know about the credit scores. I was a bit worried about that. As for the financial advice, I guess I can't expect too much for a free service. But it's great to have some guidance when you're just starting to get your finances in order. Any downsides or issues you've encountered while using Credit Karma?

The credit score simulator seems like a useful feature, especially for planning and setting financial goals. While I understand that it does not provide FICO scores, the scores provided are still a good indicator. Your insights have been invaluable in helping me make an informed decision and I can confidently say that Credit Karma is a valuable tool for monitoring and improving my credit score and is completely free to use. I find this to be a helpful resource for managing my credit.