I have used Credit Karma on several occasions. It was not until this year that I was informed by the I.R.S. that I had Identity Theft because they received a 2012 tax report and I needed to send them additional information. I am a 68 year old who has not worked since 2010! I filed all the appropriate reports per the FTC requirements, but everytime I try to even get gas in my car, I have to go in and show the clerk my card so he can run it through. The BEST thing is that I have stopped putting my personal information online! ID theft has really upset my every day life.