April 25th, 2014

The Nerds Behind Credit Karma: Riley

30 Comments | Twitter | |



Hey everyone, it’s that exciting time of the month where we get to introduce you to another valuable member of the Credit Karma team! This month, we’re introducing you to Riley, one of our skilled software engineers!

I don’t know if you can tell from his picture, but Riley has quite the propensity for wearing tie-dye. The picture to the right only gives a sneak peek, but you can see a picture of Riley in all of his tie-dye glory here.

Want to learn more about Riley? Read on!

The Interview

What’s your title at Credit Karma?
Software Engineer.

Describe in 25 words or less what you do.
I work on the Communications and Marketing team, mostly optimizing the email system and generating boring reports.

How long have you worked at CK?
Just over a year.

What’s your favorite thing about working at CK?
Playing ping pong every day.

What’s your favorite snack in the CK kitchen?
Roasted salted almonds.

What is something your coworkers probably don’t know about you?
I navigate by sight, not by street name. In the past year, I’ve only picked up a handful of nearby street names, but I’ve got a decent mental map of the nearby area. There are just no labels on it.

What was your worst subject in elementary school?
Writing… I never learned to write cursive.

What’s a secret (or not-so-secret) talent you have?
I can find things (missing sweaters, lost keys, you name it), even if I’ve never been there before or haven’t seen the lost item before. I swear it’s genetic, because my dad can do it too.

If you could pick any superhero power, what would it be and why?
Flight, preferably through levitation but if it required ten feet of wings, I’d still take it. Because soaring through the air would be the best way to travel anywhere in the world.

What’s your best credit/money tip?
Keep track of your spending. If you know how much you’ve spent each month, you can make more informed spending decisions in the future.

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, and Travis!

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

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

I’m sure I’m not the only one who’d be interested in seeing Riley with 10 foot wings…

-Jenna, Credit Karma Contributor

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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.


  1. Great idea to see the people behind CK, but would be nice if you mixed up the questions a little.

    William Charles at 8:08 pm on April 25, 2014
  2. I paid off the debt of what is listed under collections. Why is it still listed.

    I also paid off the medical portion that is listed as well.

    Robert at 8:38 pm on April 25, 2014
  3. I’m a disabled veteran, 66 years old. I’ve been paying on three hospital bills for 2 years, faithfully. Recently I finally got one down to $55 so I paid it off, entirely. And, as usual the credit reporting agencies continue to show it unpaid and as a result my credit reported on credit karma is all B’s and C’s except for “collections” and “derogatory remarks” which are “F’s”. How can that be right, I wasn’t my fault that my insurance didn’t pay the entire bill, it wasn’t my fault my supplementary insurance didn’t pay the balance of the bill,…I pay for both of these insurance coverages and I still owe a balance. So I pay as much as I can until they are paid off and then they don’t have the commitment or honesty to report the information correctly!!!! I understand the need to protect our economy, but shouldn’t someone be checking on these people, they are ruining peoples lives and preventing them from buying homes, getting affordable auto and life insurance, purchasing needed transportation. All of this costs us MORE which makes it more difficult to survive. I think its a travesty and un-American.

    nichael at 9:00 am on April 28, 2014
  4. Mike

    Hi Robert – We’d be glad to take a look at this if you could email our support team directly. You can reach us at support@creditkarma.com. Thanks!

    Mike at 1:14 pm on April 28, 2014
  5. Mike

    Thanks for your comment Michael. I’m sorry to hear about all that. If this collections account is being misreported, you can dispute the misinformation directly with TransUnion. Check out this article for more information on that process: https://www.creditkarma.com/article/dispute-credit-report-errors

    Mike at 1:30 pm on April 28, 2014
  6. Hi ,I have paid off my Dvra. Billing over two years ago how come I still have it on my credit and how can I report it ? Thanks for your respond

    Marj at 3:08 pm on April 28, 2014
  7. You need to check your resources and algorithm for credit scores and report cards as they make no sense. Transunion gives my score 759, you report 639. I have grades of A, B and only 1 C yet you give an overall grade of D. This is not mathematically possible. Even worse, you score my wife at 628 yet her Transunion is 790, you give her 4 As and 1B but an overall grade of C. Nonsense is happening here!

    Michael Leonard at 3:34 pm on April 28, 2014
  8. Mike

    Hi Marj – We’d be glad to have a look at your account for you. Please email our support team at support@creditkarma.com so we can help you out. Thanks!

    Mike at 2:18 pm on April 29, 2014
  9. Mike

    Hi Michael – Thanks for your comment. Please keep in mind that the overall grade is not an average of your other grades. Instead, the overall grade is simply a reflection of where your credit score stands in the context of our larger user base. Regarding your score differences, please note that credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Because of this, the scores you see on Credit Karma will not always sync perfectly with what you may see directly from TransUnion. If you have more questions about this issue, I can suggest some further reading here: http://www.huffingtonpost.com/ken-lin/never-pay-fico-score_b_1974599.html

    Mike at 2:21 pm on April 29, 2014
  10. It’s nice to see and get to know the people working behind CK. I enjoyed reading their answers to the question.

    Nik @ Midlife Finance at 8:21 pm on April 29, 2014
  11. when I try and update my score an error pops up and cannot get since Nov. 2013 but you keep sending me e-mails saying its updated. Why ca’t I see my new score?

    robert at 5:08 am on May 1, 2014
  12. I have Two Target credit listed on my credit score. I only have one and only owe $360 They say I owe $720 I don’t

    Linda Degener at 1:35 pm on May 1, 2014
  13. Mike

    Hi Linda – We’d be happy to look into this problem you’re experiencing. Feel free to email our support team at support@creditkarma.com so we can investigate for you. Thanks!

    Mike at 2:02 pm on May 1, 2014
  14. Mike

    Hi Robert – I’m sorry to hear that you’re having some trouble with your account. Please email us at support@creditkarma.com so we can look into this. Thanks!

    Mike at 2:03 pm on May 1, 2014
  15. I don’t know who to contact.. There is a collection account on my Credit Karma acct that is not showing on any of my credit reports!! Is this going to affect my score??

    Andrea Calderon at 11:43 am on May 7, 2014
  16. All the issues on my report has passed the 7 year mark. I’m sure the reporting companies
    Will not just take them off how can I speed this up. Thanks

    Curtis hood at 12:15 pm on May 7, 2014
  17. Mike

    Hi Andrea – Thanks for your question. We’d be happy to take a look at your issue if you could email our support team at support@creditkarma.com. Thanks!

    Mike at 3:53 pm on May 8, 2014
  18. Mike

    Hi Curtis – All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. You can find more information on the dispute process with TransUnion here: http://www.creditkarma.com/article/dispute-credit-report-errors


    Mike at 3:54 pm on May 8, 2014
  19. Can you please help acsess my credit karma android mobile app I put on my galaxie s3. I very much enjoy the app but have forgot my password and I am extremly frustrated with the recovery process as it will not send me a recovery e mail. Thank you

    Jeff Barclay at 6:22 pm on May 11, 2014
  20. Mike

    Hi Jeff – We’d be glad to help out. Please feel free to email us at support@creditkarma.com so we can get a better look at your problem. Thanks!

    Mike at 1:17 pm on May 12, 2014
  21. I went through my credit union and my credit score is about 50 points higher than what your site is reporting.I have a C rating. if your going to grade my credit card utilization and mark me down because i am at 88% then make sure you re-score it every other week when it is paid off. by looking at your site , it appears my card is always at the limit.

    ken at 4:09 am on May 14, 2014
  22. Mike

    Thanks for the comment, Ken. We’d be glad to take a look at your account if you could email our support team at support@creditkarma.com. Thanks!

    Mike at 1:47 pm on May 14, 2014
  23. i put my info in and its telling me what i put in is wrong spacifically my social security number and i went over it a bunch of time i now its right and it wont let me proceed

    crystal at 9:23 am on May 15, 2014
  24. Mike

    Hi Crystal – We’d happy to look into this for you. Please email our support team at support@creditkarma.com so we can have a look and help out. Thanks!

    Mike at 2:03 pm on May 15, 2014
  25. remove me from your service please

    Will at 10:04 pm on May 22, 2014
  26. Mike

    Hi Will – We’d be happy to help you out. Please email our support team at support@creditkarma.com so we can respond to your request. Thanks!

    Mike at 12:50 pm on May 23, 2014
  27. Hi, I tried to receive my credit score off of CreditKarma, and it said that something I had put down did not match what you had on my credit report. Now I can’t get in at all. Not even to correc whatever it was that is wrong. You directed me to Annual Credit Report site, it gave me my report, but no score, it’s not free, $4.95. I don’t want to sign up for a “Charging” report. Can you help me?

    Debra Hamilton at 8:14 am on June 12, 2014
  28. Mike

    Hi Debra – Thanks for the question. If you’re having trouble registering on Credit Karma, I’d suggest you email our support team for further help. You can reach them at support@creditkarma.com. Thanks!

    Mike at 1:11 pm on June 12, 2014

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