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Bethy Hardeman

Chief Consumer Advocate

Bethy Hardeman is the Chief Consumer Advocate at Credit Karma. Credit Karma breaks down the obstacles that keep people financially stuck by providing free credit scores, credit reports and tailored, personalized recommendations to shop and save on credit cards, loans and auto insurance.

As the Chief Consumer Advocate, she debunks credit myths, provides insights into managing debt and gives tips to consumers seeking to improve their financial health and well-being. Bethy’s tips and analysis have been featured in media, such as Bloomberg, CNBC, Forbes and U.S. News & World Report.

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Child Identity Protection for Every Age

​Your little bundle of joy could start life off deeply in debt and you might not even know it. Here is how to protect the financial identities of the ones you love at every age.

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4 Myths About Credit Cards That Should Be Retired

Until recently, it could be expensive and confusing for the average consumer to access their credit scores and reports. A side effect of this was a proliferation of rumors about the best way to manage credit. Like any good urban legend, it’s hard to know exactly where these got started. Since Credit Karma launched in 2008 we’ve heard a lot of them and have done our best to put them to rest.

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Credit 101: Soft & Hard Inquiries

A quick guide to the actions that will negatively impact your credit and those that don't. Spoiler alert: checking your own credit is considered a soft pull and will not affect your credit score.

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Credit 101: Credit Score Differences

A little history to explain why there is no one true credit score and how you can manage your credit based on the trends of any one since they all start with similar factors.

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Credit 101: Your Credit Glossary

From bankruptcy to soft inquiry, this glossary of financial tools will empower you to take control of the conversation around your financial future.

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