Charges & Financial Obligations · Restriction or exception
An offer or approval is not guaranteed
The platform does not guarantee that you will receive an offer or be approved. You still need to submit an application with a participating provider.
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I understand that Credit Karma’s Check Your Rate Platform does not guarantee that I will receive an offer or an approval, and I will still need to submit an application with participating providers.
Charges & Financial Obligations · Restriction or exception
Applying for an offer may affect your credit score
Checking for offers through the platform does not create a hard inquiry or affect your credit score. If you choose to apply with a participating provider, that provider may run a hard inquiry, which can affect your score.
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While checking for these offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for these offers with a participating provider, that provider may run a hard inquiry, which can impact my credit score.
Cross-references
contrast (model-proposed): Offer checks use soft inquiries without affecting your credit score — The no-impact promise covers checking for offers; a later application may involve a hard inquiry that affects the score. These statements concern different stages, not conflicting promises.
The platform does not cover every provider or product
Many, but not all, financial service providers participate. Even a participating provider’s full product range may not be included, so the platform is not a complete listing of available financial products.
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I understand that many, but not all, financial service providers participate in the Check Your Rate Platform and that the platform may not include every product offered by participating providers.