Just about every evening investor Dave McClure sends me an email pitching one of his startups for a story. Company X just got a user! That sort of thing.

Tonight though the pitch was a little more interesting. Credit Karma, a startup we first covered late last year, now has more than 2 million members. Revenue is &''8-10X higher than last year,&'' but without a hard number and my understanding that last year they had zero revenue makes that somewhat less impressive.

But the service is really cool. I have recently been in credit card hell. Chase dropped my credit limit on my United card to absolutely nothing for no reason at all last year, and won&'t increase it. I&'ve also been declined by American Express, repeatedly, for a Starwood credit card.

Yeah, I know. Boo hoo. But the point is I need a credit card for travel and to otherwise live my life.

I&'m too lazy to ever check my credit score, but Credit Karma made it easy enough even for me. I gave it just about all of my personal data and hit submit. Then, zap &8211' I see that my credit score is 748, which is considered &''excellent&'' and in the 78th percentile. &''Given that you have a high credit score lenders should be able to conclude that you are capable of repaying your debts,&'' says Credit Karma, and I wholeheartedly agree.

There&'s more. I can also see a detailed report on how my credit score is calculated.

Open Credit Card Utilization: 0%. That&'s bad, and I get a &''C&'' Percent On Time Payments: 100%. That&'s good. An &''A&'' Average Age Of Open Credit Lines: 9 years, 1 month. An &''A&'' Total Accounts: 15. That&'s bad, too few, no idea why, a &''C&'' Hard Credit Inquiries: 6. That&'s me trying to get Chase and Amex to give me credit. Too many, a &''C&'' Total Debt: $0. Apparently that&'s bad too.

If I owned a bank, and I hadn&'t yet embezzled all of my customers&' money and moved to Brazil, I&'d definitely give me a credit card. All the bad stuff is that I&'m not actually using credit, or have too few credit accounts, and don&'t have any debt.

I mean seriously Amex. Give me a damn credit card. Whatever you&'re using to figure out who gets one is really broken.

Update: Hilarious.