Credit Karma highlights, in its latest ad, that, “when it’s time to move, Credit Karma can help you build your credit”.

The 30-second spot features a young couple looking through the window at their new neighbor, a lady who seems nice. Their relief that they finally get a “good one” soon vanishes when the woman asks their “kids” to get out of the car. It turns out she is a cat lady, with dozens of cats around her. The couple, who apparently are dog persons, find themselves struggling with sneeze and their large dogs barking like crazy to the many kittens walking in front of their house.

This is only one installment in a series called “Bad Neighbors”, which also illustrates other situations that would make people want to move, such as having as neighbors a large family, whose kids cause damages around them, and a crazy man, who thinks wind is his wife and chimes are his kids, and uses lots of wind chimes at nights.

The credit score is the piece of information that determines if your application for a new credit card or loan is approved or denied. The multinational personal finance company, founded in 2006, has been offering a monthly credit score through its free online credit report and credit monitoring service since 2007. The score provided by Credit Karma is VantageScore 3.0, which was developed by the three credit bureaus – Equifax, Experian, and TransUnion – as an alternative to the FICO scoring model. The platform also helps consumers track, maintain and improve credit health with free tools and information, provides recommendations for credit card and a variety of loans, and free federal and state income tax preparation, a recent feature introduced for the Tax Year 2016 filing period in 2017.