Credit Karma Credit Karma
Menu
  • Credit Cards
    • Shop Credit Cards
    • Balance Transfer Cards
    • Reward Cards
    • Travel Cards
    • Cash Back Cards
    • 0% APR Cards
    • Business Cards
    • Cards for Bad Credit
    • Cards for Fair Credit
    • Secured Cards
    • Credit Card Articles
    • Credit Cards Calculators
    • Search Credit Cards
  • Personal Loans
    • Shop Personal Loans
    • Debt Consolidation Loans
    • Same Day Loans
    • Emergency Loans
    • Major Purchase Loans
    • Home Improvement Loans
    • Personal Loans No Credit
    • Personal Loans Bad Credit
    • Personal Loans Articles
    • Personal Loan Calculators
  • Auto
    • Auto Loans
    • Auto Refinance Loans
    • Auto Insurance
    • Driving Scores & Karma Drive™
    • Auto Articles
    • Auto Calculators
  • Home
    • Current Mortgage Rates
    • Mortgage Refinance Rates
    • Home Insurance
    • Real Estate Agents
    • Mortgage Lender Reviews
    • Home Articles
    • Mortgage Calculators
    • Home Resources
  • Money
    • Online Checking
    • Online Savings
    • Instant Karma™
    • Credit Builder™
    • Money Articles
    • Money Calculators
  • Tax
  • Credit Scores
    • Credit Builder™
    • Understanding your Credit Scores
    • What is a Good Credit Score
    • Free Credit Report
    • Quick Tips for your Credit Health
    • Credit History
    • Free Credit Scores: How to Get Yours
    • Free Credit Monitoring
  • Resources
    • Personal Finance Articles
    • Financial Calculators
    • Studies & Insights
    • Identity Monitoring
    • Unclaimed Money
    • Mobile App
    • Credit Karma Blog
  • Login
  • Sign up for free

Sarah Schaut

Sarah Schaut is a Canadian living in sunny Florida. She’s an economic crimes detective at a city police department and an expert in credit, fraud and mortgages.
Young man sitting on his couch with his dog, reading on his phone about how to lift a credit freezeImage: Young man sitting on his couch with his dog, reading on his phone about how to lift a credit freeze

How to lift a credit freeze

Concerned woman looking at her phoneImage: Concerned woman looking at her phone

Identity theft affidavit: What it is and when to...

Two women sitting at a table and having a meetingImage: Two women sitting at a table and having a meeting

What is a creditor?

Man texting with cell phone on sofaImage: Man texting with cell phone on sofa

What is overdraft protection?

Young woman staring at phone and looking worriedImage: Young woman staring at phone and looking worried

How to avoid overdraft fees

Young woman in a coffee shop drinking coffee and looking at her cell phoneImage: Young woman in a coffee shop drinking coffee and looking at her cell phone

How do personal loans work?

Woman takes advantage of FDCPA rights while paying a bill over the phoneImage: Woman takes advantage of FDCPA rights while paying a bill over the phone

FDCPA: Fair Debt Collection Practices Act

Young woman with phone in rustic lodgeImage: Young woman with phone in rustic lodge

What to do after a data breach

Young people working at home in their kitchenImage: Young people working at home in their kitchen

What is liquidity?

Businessman talking with coupleImage: Businessman talking with couple

When should you use Chapter 13 bankruptcy to stop...

A stressed woman with a hand in her hair holding a credit card sits at a computer in home officeImage: A stressed woman with a hand in her hair holding a credit card sits at a computer in home office

What is a chargeback?

common-scamsImage: common-scams

4 common scams everyone should be aware of before...

Stressed woman holding credit card and tablet, trying to figure out what to do after identity theftImage: Stressed woman holding credit card and tablet, trying to figure out what to do after identity theft

What to do if your identity is stolen

Craftsman in his guitar workshop with sonImage: Craftsman in his guitar workshop with son

How to write a business plan

Happy father and children laughing together on a sofaImage: Happy father and children laughing together on a sofa

What you need to know about FICO® Score 9

Women window-shopping for clothes to buy with their Belk Rewards CardImage: Women window-shopping for clothes to buy with their Belk Rewards Card

Belk Rewards Card review: Only for the Belk-obsessed

Family standing nearby and thinking about the Sam's Club Mastercard as smiling mother handing credit card to cashier at grocery store.Image: Family standing nearby and thinking about the Sam's Club Mastercard as smiling mother handing credit card to cashier at grocery store.

Sam’s Club® Mastercard® review: Cash back for filling up

  • facebook social Icon Facebook
  • twitter social Icon Twitter
  • instagram social Icon Instagram
Download Credit Karma on the Google Play Store Download Credit Karma on the Apple Store
  • Company Info
    • About Credit Karma
    • Careers
    • In The News
    • Engineering Blog
  • Help
    • How Credit Karma Works?
    • Security Practices
    • Editorial Guidelines
  • Legal
    • Privacy Policy
    • CA Privacy Policy
    • Terms of Service
  • Notable Links
    • 7 ways to find Cheap Car Insurance
    • 7 Auto Loans for Bad Credit
    • Best High – Limit Credit Cards
    • How to find a No Fee ATM Machine?
    • 4 Best Quick Loans for Emergency Cash
    • Should I Refinance my Mortgage?
    • How to get a Mortgage Preapproval?
Digicert Certificate
© 2007–2022 Credit Karma, LLC. Credit Karma® is a registered trademark of Credit Karma, LLC. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Licenses | NMLS Consumer Access
Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access
California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868.
Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748).
Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.
Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC.  Licenses | CA license #0172748.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.
Credit Karma is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us.
CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607 Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access
Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604