CreditKarma is the real deal - you get a real score from TransUnion from them for free and you get card recommendations based on your score. The cards are reviewed by usersPlease Log In to view this link! and there is a section where you can find resources or ask for advice. I had terrible credit two years ago and this site has helped me bring it up to OK standing by finding cards that would take me on. I highly recommend this site for anyone looking for a new card or to learn about their credit score. Hope it helps!