CK Plus already does data removal, bills, and taxes. Why REYES?

True — but it's bundled with an ad marketplace that still sells you to lenders, their tax is TurboTax for simple returns (not owner entity strategy), they're 2-bureau VantageScore not FICO + 3, and they show you things while we do them. Same checklist, opposite experience.

Credit Karma is free and has 130 million users.

Free means you're the product — they're paid to push you loans and cards. REYES Plus is a flat fee, doesn't sell you, and goes deeper where it matters for owners.

Why trust a brand-new app with my money?

Read-only via Plaid, 256-bit encryption, export or delete in two taps, and we never sell your data. That's the opposite of the ad-driven model.

I just want to check my score.

Then CK's free tier is fine — but it shows VantageScore from 2 bureaus, not the FICO lenders pull. If you're actually applying for anything, you want REYES.

Battlecard

Credit Karma shows you. REYES does it.

Credit Karma checks your score and sells you to lenders. REYES is the private, owner-grade money app that actually does the work — taxes, credit, and getting you off the internet — without ads.

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The threat — said plainly

Credit Karma is rolling out a paid tier — Credit Karma Plus — described in their own listings as: protect your identity, remove your data from the web, lower your bills, and file your taxes with expert help. That's the REYES pillar set, nearly word for word. They have ~130M members, Intuit's balance sheet, and TurboTax behind the tax piece.

So we don't pitch "REYES = Credit Karma but with taxes and privacy." That's now literally CK Plus. We pitch sharper, more honest, autonomous, and built for owners — the segment CK can't serve well.

Head-to-head

Same checklist. Opposite experience.

Dimension	Credit Karma (free + Plus)	REYES
Ads in the app	Limited Heavy. Paid by lenders / card issuers. Present even for Plus. Reviews report 'pre-approved' odds that turn into rejections.	Yes None in core. We never sell your data.
Credit score	Limited 2 bureaus (TransUnion + Equifax), VantageScore 3.0 — not the FICO lenders pull. No Experian.	Yes 3 bureaus + FICO — the score lenders actually use.
Disputes	Limited Direct Dispute, TransUnion only.	Yes Unlimited dispute letters, all bureaus.
Data-broker removal	Yes CK Plus only ('remove your data from the web').	Yes Yes — 220+ sites, live status board, auto-refile when sites re-list you.
Bill negotiation	Yes CK Plus only ('lower your bills').	Yes Yes — we draft, you keep the savings.
Taxes	Yes TurboTax: simple W-2 filing (free for ~37% of filers) / paid expert help.	Yes Owner-grade strategy — S-Corp salary split, QBI, Augusta, Sec 179, K-1s, hand-to-CPA package.
Identity protection	Yes Monitoring + data-breach alerts. No ID-theft insurance.	Yes Monitoring + $1M ID-theft insurance (leapfrog — roadmap).
Cards optimizer	Yes Yes (Cards Optimizer).	Yes Yes (Wallet) + unused-perks / benefits tracker.
Credit building	Yes Credit Spark / Credit Builder — reports rent + bills you already pay.	Gap Gap — adding bill / rent reporting.
Business / owner	Limited None. Consumer only.	Yes Signal: business credit (PAYDEX), multi-entity accounting, no-PG funding.
Automation	Limited Passive — shows offers, alerts, 'expert help.'	Yes Autopilot acts — drafts disputes, cancels subs, recalcs quarterly tax; Captain Ernie daily briefing.
Banking	Yes CK Money Spend / Save, paycheck advance, refund advance (up to $4k).	Gap None by design — read-only intelligence layer on your accounts.
Business model	Limited Ad / lead-gen marketplace.	Gap Subscription. Offers boxed. Never sells data.
Price	Limited Free / CK Plus TBD (Intuit prices premium).	Gap Free / Plus $6.88 mo / Pro $27.71 mo.

Ads in the app

Credit KarmaLimited

Heavy. Paid by lenders / card issuers. Present even for Plus. Reviews report 'pre-approved' odds that turn into rejections.

REYESYes

None in core. We never sell your data.

Credit score

Credit KarmaLimited

2 bureaus (TransUnion + Equifax), VantageScore 3.0 — not the FICO lenders pull. No Experian.

REYESYes

3 bureaus + FICO — the score lenders actually use.

Disputes

Credit KarmaLimited

Direct Dispute, TransUnion only.

REYESYes

Unlimited dispute letters, all bureaus.

Data-broker removal

Credit KarmaYes

CK Plus only ('remove your data from the web').

REYESYes

Yes — 220+ sites, live status board, auto-refile when sites re-list you.

Bill negotiation

Credit KarmaYes

CK Plus only ('lower your bills').

REYESYes

Yes — we draft, you keep the savings.

Taxes

Credit KarmaYes

TurboTax: simple W-2 filing (free for ~37% of filers) / paid expert help.

REYESYes

Owner-grade strategy — S-Corp salary split, QBI, Augusta, Sec 179, K-1s, hand-to-CPA package.

Identity protection

Credit KarmaYes

Monitoring + data-breach alerts. No ID-theft insurance.

REYESYes

Monitoring + $1M ID-theft insurance (leapfrog — roadmap).

Cards optimizer

Credit KarmaYes

Yes (Cards Optimizer).

REYESYes

Yes (Wallet) + unused-perks / benefits tracker.

Credit building

Credit KarmaYes

Credit Spark / Credit Builder — reports rent + bills you already pay.

REYESGap

Gap — adding bill / rent reporting.

Business / owner

Credit KarmaLimited

None. Consumer only.

REYESYes

Signal: business credit (PAYDEX), multi-entity accounting, no-PG funding.

Automation

Credit KarmaLimited

Passive — shows offers, alerts, 'expert help.'

REYESYes

Autopilot acts — drafts disputes, cancels subs, recalcs quarterly tax; Captain Ernie daily briefing.

Banking

Credit KarmaYes

CK Money Spend / Save, paycheck advance, refund advance (up to $4k).

REYESGap

None by design — read-only intelligence layer on your accounts.

Business model

Credit KarmaLimited

Ad / lead-gen marketplace.

REYESGap

Subscription. Offers boxed. Never sells data.

Price

Credit KarmaLimited

Free / CK Plus TBD (Intuit prices premium).

REYESGap

Free / Plus $6.88 mo / Pro $27.71 mo.

Where we stand (honest)

No spin. Where we win, where we're even, and where we still have work to do.

We win

Owner / business / creator segment — CK is consumer-only and TurboTax doesn't do entity strategy.
FICO + 3 bureaus vs CK's 2-bureau VantageScore.
No-ads, no-data-sale honesty — CK structurally cannot match this; ads are their revenue.
Autonomy — we act, they display.
Dispute breadth (all bureaus vs TransUnion-only).
ID-theft insurance (once shipped) — CK Plus doesn't have it.

At parity

CK caught up here — we compete on execution and honesty.

Data-broker removal
Bill negotiation
Cards optimizer
Credit monitoring

Behind — closing

Mass tax filing — TurboTax wins on simple W-2 filing. We don't fight it; we redirect to owner strategy.
Banking / refund advance — CK has bank rails; we don't and shouldn't. We concede this and win on owner tax strategy.
Bill / rent credit-building — CK has Credit Spark; we don't yet. Closing this gap.
Brand scale / trust — 130M members vs us. Countered with privacy posture + read-only + delete-anytime.

Common objections

Answered straight.

Who we win

The 1099 / self-employed / creator / small-business owner. Multi-entity operators. People applying for a real loan or mortgage who need FICO + 3 bureaus. Anyone burned out on CK's offer spam and fake approval odds.

Not our fight

The mass W-2 filer who just wants free TurboTax and a free score. Let CK have them.

Talking points

Memorize these.

#01

"CK shows you. REYES does it."

#02

"The score your lender actually pulls — FICO, all three bureaus."

#03

"No ads. No fake approvals. No data sales."

#04

"Built for people who actually run money — owners, creators, the self-employed."

#05

"REYES finds the moves and preps your complete filing package."

Get the score your lender actually pulls.

FICO + all three bureaus, owner-grade tax strategy, no ads, no data sales.

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As of June 2026. Credit Karma facts pulled from public App Store / Google Play listings; CK Plus features may change as it rolls out. REYES is an organizing tool — not a bank, CPA, credit-repair company, law firm, or financial advisor.