She is prepared for the end of the world, but doesn’t check her credit score, this is the idea behind the latest Credit Karma ad.

“Ice Apocalypse? No problem. Meteor Apocalypse? I’m prepared for anything,” the protagonist, a young woman, says at the beginning of the 30-second spot, while illustrating with action figures in a garage the things she had mentioned. “What about your credit?” her friend asks, making her admit she is not ready quite for anything. “So you’re prepared for Apocalipse, but you don’t check your credit?” her friend asks again, advising her to try Credit Karma and mentioning that it’s free. After checking her credit score, which it turns out is “fair”, she says “Ready for anything” with a smile on her face.

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 & 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.