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  "documentTitle": "2023 Investor Day E2E",
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      "text": "1. Includes tradelines that came from a financial product taken out on Credit Karma, or on a different, non-Credit Karma channel.",
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      "text": "SCALE: Our large member base of 136M members and 42M monthly active users. Members use Credit Karma before taking out a new financial product. Of those members who took out a new product in the 30 days prior to opening a new tradeline, >65% logged into Credit Karma before getting a new credit card, personal loan or auto loan, and nearly 60% before getting a new home loan.",
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      "text": "QUALITY AND EFFICIENCY: ~2x the average approval rate for members who apply for credit cards on Lightbox vs. off platform. Easy Apply, which helps drive a ~20% lift in revenue per user. Quality of Credit Karma member base with ~80% of members eligible for at least one Lightbox offer.",
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