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Early on in his life, Ryan Graciano aspired to be many things - law, writing... and eventually coding, of course. Fun fact, he is an accomplished dog trainer. focusing on animal behavior modification - and more recently, has gotten into powerlifting. Despite his love of analog activities, he got started coding right after college, and tried to avoid joining IBM... yet, still did, through an acquisition. After a few years of growth, he met a group of entrepreneurs who had an idea to provide credit scores to millions of users... for free. This idea would eventually become Credit Karma.