Terms of Service

Inference & Profiling · Company practice

Analysis and estimates are informational and assumption-based

Credit Karma may analyze your credit report, score and other obtained information to select and present features or information. Its estimates are illustrative and informational, use only available data and assumptions, and are neither commissioned nor endorsed by partners.

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Supporting quotations

we may use your credit report, credit score, and other information we obtain to analyze, sort, and present certain information or features to you. Any analysis and estimates we provide as part of our Services are for illustrative and informational purposes only. Our analysis and estimates are based on certain assumptions and use only the data we have. Our analysis and estimates are neither endorsed by, nor commissioned by, any of our partners.

Not stated here

• The linked Privacy Statement text is not supplied; its separate data-use rules are not analyzed here.

Inference & Profiling · Permission or license

Credit Karma decides which factors shape its recommendations

Its methodology for highlighting or presenting offers, analysis and information is proprietary. Credit Karma reserves sole discretion to consider, ignore, emphasize or de-emphasize factors.

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Supporting quotations

The methodology we use to determine which offers, analysis, or other information is presented or highlighted is proprietary and we may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole and absolute discretion.