July 15th, 2014

Nerds Behind Credit Karma: Pedro

26 Comments | Twitter | |



Hi everyone! Another month has passed, so it’s time to introduce you to another member of the Credit Karma team. We hope you had fun meeting Musab last month! Today, we’re excited to introduce you to Pedro, one of our amazing Senior Product Managers.

Pedro loves traveling and has been to a whopping 37 countries so far. He’s also a black belt in taekwondo, but, in his own words, is “pretty chill and completely non violent.” Scroll down for more fun facts about Pedro!

The Interview

What’s your title at Credit Karma?
Senior Product Manager

Describe in 25 words or less what you do.
Get an in-depth understanding of CK members and deliver great user experiences to address their needs.

How long have you worked at CK?
2.5 months.

What’s your favorite thing about working at CK?
I would say my coworkers (they’re super open-minded and collaborative), the fast work pace, and how we’re all empowered to make things happen.

What’s your favorite snack in the CK kitchen?
“Rip van waffles” – cocoa filled.

What is something your coworkers probably don’t know about you?
Apparently I have reduced sensitivity to caffeine – it’s in my genes. You’ll see me carrying a cup of coffee everywhere I go at any time of day.

What was your worst subject in elementary school?
Music. I love music, but I never was good at playing instruments; I’m even worse at singing.

What’s a secret (or not-so-secret) talent you have?
I can hold my breath for more than 3 minutes. My record was 4m30s when I practiced freediving and yoga.

If you could pick any superhero power, what would it be and why?
I love to travel, so flying would be my superhero power of choice. Wouldn’t it be great to go on vacation to a different exotic location around the world every weekend??

What’s your best credit/money tip?
Maximize your credit card rewards.

Want to meet more members of the Credit Karma team?

Meet Ezra, Jonathan, Cathy, Greg, Danielle, Jason, Andrew, Ian, Juan, Igor, Alex, Henry, Hok, Helen, Dan, Keith, Chris, Elaine, Rob, Ishan, Travis, Riley, Chelsea, and Musab!

Interested in joining our team? Check out all of our open positions!

Stay tuned as we continue to reveal the nerds behind Credit Karma!

3 minutes?! I can barely hold my breath for 30 seconds!

-Jenna, Credit Karma Contributor

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

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  1. I want the inquiries to stop I just got dinged for 88 pts I’m working very hard to get my credit rating back up. But some of my accts check my rating then I get knocked back down. so how do I stop them from checking without my approval. I’m getting very tired of this. I been taking your advice and it’s been helping until they check my rating..

    Terry Cargill at 4:05 pm on July 15, 2014
  2. Mike

    Hi Terry – Thanks for your question! Hard inquiries should only occur when you apply for a new line of credit, not when a current lender of yours wants to check up on you. In addition, these types of inquiries require your specific permission. I’d recommend checking out this article for more information: https://www.creditkarma.com/article/hard_inquiries_and_soft_inquiries

    Mike at 9:48 am on July 16, 2014
  3. I been emailing you guys to find out why I cant locate some of my credit cards companies so Im able to monitor them. For example Old navy, JCP.. when I search for the bank or lenders there’s NO MATCH FOUND

    Antronette at 12:03 pm on July 16, 2014
  4. Mike

    Hi Antronette – If you’re having trouble navigating our linking feature, I’d suggest contacting the support team for further investigation. You can reach them here: https://www.creditkarma.com/about/help


    Mike at 9:32 am on July 17, 2014
  5. Dear Karma, please remove my name and my email from your records. You are acting the same way like the others. I do not having problems with my credit reports, but only with your guys and a few more that I do not want to communicate at all. My credit rating at this point it is 752 and not 693 as your guys showing. It is a a problem with will stay that way withoiut a proper communications with all of you except with FICO website which provides you your credit report also free and it is the correct one. Please remove my name and email address from your records and stay with them. Thank you. Sincerely Dimitrios Marantidis

    Dimitrios Marantidis at 10:39 am on July 21, 2014
  6. Mike

    Hi Dimitrios – Thanks for your comment. Please keep in mind that your score can vary based on what bureau is involved and what purpose the score is obtained for. You can read more about that here: https://www.creditkarma.com/article/is-credit-karma-accurate

    If you’d still like to cancel your membership, you can find more information about that here: https://www.creditkarma.com/about/help


    Mike at 9:26 am on July 22, 2014
  7. I have been trying to get into my acct on credit karma. I have yet to receive an email so I can reset my password I have forgotten. what gives with your system?

    Brian Hart at 10:08 am on July 23, 2014
  8. Mike

    Hi Brian – I’m sorry to hear that. If you haven’t already, I’d recommend checking your spam filter, as sometimes these automated emails get caught up in there. If your password reset isn’t in your spam box, I’d suggest contacting our member support team directly for further assistance: https://www.creditkarma.com/about/contact


    Mike at 8:44 am on July 24, 2014
  9. I am trying to understand how the “payments made on time” works. I haven’t made a payment late in several years, often pay accounts off early, but I am listed at an F. It shows that I have made 168 payments and 161 on time. This number never changes from month to month, even though I make many payments every month. It really makes Credit Karma look bad when this kind of info is totally incorrect.

    Greg at 4:50 am on July 25, 2014
  10. Mike

    Hi Greg – Thanks for your comment. If your account isn’t reflecting new payments you’ve made, then it’s likely we’re not receiving that information from TransUnion. I’d recommend you file a member support ticket for further investigation: https://www.creditkarma.com/about/help


    Mike at 9:23 am on July 25, 2014
  11. I have an account in collections that actually was paid off by settlement in 2010. I have sent the information to the debt collector asking that they remove that incorrect information. What else can I do to remove that incorrect information?

    Also, the other 4 bills in collections are from one creditor, John Muir Hospital. I am going to pay off the small ones, and try to work out a payment schedule on the others, but it is still just one creditor.

    Thanks for your help.

    Anne at 2:01 pm on July 27, 2014
  12. Mike

    Hi Anne – Good questions. Unless you’ve specifically negotiated to have them removed, accounts in collections won’t necessarily be erased from your report just because they’ve been paid. In addition, multiple accounts from the same creditor will still usually be listed separately on your credit report. You can learn more about accounts in collections and what steps you can take here: https://www.creditkarma.com/article/accounts-in-collections


    Mike at 11:51 am on July 28, 2014
  13. Thanks for the answer. What I really need are the addresses of the credit bureaus so I can send them proof that the bill was paid. I don’t want to keep clicking on website after website to find that information.

    You should just have a list of the credit bureaus addresses for people to use.

    My addresses are also listed incorrectly, which makes it look like I move more than I do.

    Anne at 8:33 am on July 29, 2014
  14. Mike

    Hi Anne – Credit Karma receives all of its information directly from TransUnion. You can find TransUnion’s contact information here: http://www.transunion.com/personal-credit/customer-support/contact-us.page

    Mike at 9:11 am on July 29, 2014
  15. I have been with Credit Karma for over a year now and I have a duplicate collections problem. It is for a book club that I did not ever order from and they have me listed twice in collections. What can I do to have this removed? thanks for any help

    Tina at 11:33 am on July 29, 2014
  16. Thanks, Mike!

    Anne at 8:26 am on July 30, 2014
  17. Mike

    Hi Tina – If you believe these collections accounts are showing in error, you can contact TransUnion, our information provider, directly to file a dispute. You can read more on the dispute process here: https://www.creditkarma.com/article/dispute-credit-report-errors


    Mike at 9:18 am on July 30, 2014
  18. Hi there. Well my credit little by little has began to get better… however I have 3 dents in my file that are not helping.. boo! And really need to get them removed.. They are old dings in my credit but have been re bought by other companies so they kept them on my credit by keeping them active. I understand you guys can help me out… I removed 2 or 3 already just have 3 left to take care of.. can you help out?

    David at 1:43 pm on August 4, 2014
  19. Why can’t I see who I owe for collections?

    misty at 4:19 pm on August 4, 2014
  20. Mike

    Hi David – Thanks for your post. If these marks are on your credit report incorrectly, you can dispute to have them removed. You can read more about that here: https://www.creditkarma.com/article/dispute-credit-report-errors

    If they’re not incorrect or too old to be on your report, you likely won’t be able to dispute them away. If this is your situation, I’d recommend checking out our Advice Center to see how others have dealt with similar scenarios. You can do that here: https://www.creditkarma.com/all/advice

    Mike at 9:18 am on August 5, 2014
  21. Mike

    Hi Misty – Thanks for your question. You should be able to see this information on your collections page. You can access that page here: https://www.creditkarma.com/myfinances/collections

    If you’re having trouble accessing this page, you could contact our member support team for further investigation. You can do that here: https://www.creditkarma.com/about/help

    Mike at 9:24 am on August 5, 2014
  22. I have the ugliest credit score which is 586 and I would like to remove them from my credit report.Can you help me

    Marilyn Feliciano at 2:21 pm on September 11, 2014
  23. Mike

    Thanks for the comment Marilyn. We unfortunately can’t manually edit or remove your credit score. If you have some specific items on your credit report that are incorrectly included, you could potentially dispute those items with TransUnion and have them removed. You can read more about that here: https://www.creditkarma.com/article/dispute-credit-report-errors

    Mike at 9:03 am on September 12, 2014

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