I'm not talking about just the credit angle, which is not as big of a threat as their recent schemes to "file your tax filings for free" -- this gets them acces

I'm not talking about just the credit angle, which is not as big of a threat as their recent schemes to "file your tax filings for free" -- this gets them access to very sensitive information that no one else can get access to, outside the IRS themselves. This is very valuable data to sell (esp with your credit information and other data). They did a MASSIVE campaign around the Tax Filings and many people simply 'opted in' because they had CreditKarma and it was Free, without realizing what they were trading away for 'Free'.