In the U.S., 15 million adults have no credit score because they are new to the country or have a short financial history. While such “thin-file” credit customers could create a Credit Karma account, they could do little else on the platform until recently.

This week, the free credit-report service is rolling out its Thin File customer experience to help these customers take action to create good credit.

The San Francisco-based company will enable thin-file consumers to:

• Review the information in their credit profile
• Learn how to build their credit history
• View recommendations for credit cards and loans that might help build credit

Additionally, they have access to Credit Karma’s tools such as an interest rate calculator and personal spending tracker.

Credit Karma debuted at FinovateSpring 2008, the first Bay Area Finovate conference. It has since built out its platform with multiple tools, offers from partners, and a PFM offering.

Serving more than 21 million users, Credit Karma has raised $195 million in financing and was valued at $1 billion after its September 2014 funding round of $75 million.