Credit Karma TV Spot, 'Never Change'

Two friends are making salad when one suggests that the other check his credit score. His buddy doesn't think he needs to check his score and is unconvinced that it would have changed because he is still the same guy. He reflects back to their college days when he used to pump kegs instead of salad spinners. When he borrows his friend's phone to check his score on Credit Karma, in the present day, he is surprised to find out it actually has changed.