CREDIT KARMA

SAN FRANCISCO PERSONAL FINANCE

The original free credit-monitoring and credit-score service has expanded its offerings to include free online tax filing and high-yield savings accounts. Earns fat referral fees when users bite on its recommendations for credit cards, loans or auto insurance.

FUNDING: $869 million; latest valuation of $4 billion

BONA FIDES: More than 100 million users in the U.S., Canada and the U.K.

COFOUNDERS: CEO Ken Lin, 44; CRO Nichole Mustard, 47; CTO Ryan Graciano, 38