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Account & Service Control · Context
Credit Karma describes this platform as a tool for finding pre-qualified financial-product offers. By signing up for and using its Credit Card Pre-Qualification Platform, you agree to these platform terms.
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By signing up for and using the CC Pre-Qualification Platform, you agree to the following terms:
Sharing & Disclosure · Permission or license
You authorize Credit Karma to periodically share personal profile information it has collected about you with current or future participating credit card issuers. The purpose is for those issuers to identify and return pre-qualified credit card offers; each submission is a pre-qualified offer request.
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I authorize Credit Karma to periodically share personal profile information it has collected about me with current or future participating credit card issuers (“participating issuers”) so that they can identify and return certain “prequalified” credit card offers (each such submission, a “pre-qualified offer request”).
Data Access & Collection · Permission or license
You authorize each participating issuer to obtain and use your consumer report information from one or more reporting agencies, such as TransUnion, Equifax or Experian. These soft inquiries do not affect your credit score, and the report information is to be used solely to identify and provide pre-qualified offers. This assurance concerns checking for offers: if you later apply, the issuer may run a hard inquiry that can affect your score.
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I authorize each participating issuer to obtain and use consumer report information about me from one or more consumer reporting agencies (such as TransUnion, Equifax or Experian). These soft inquiries will not impact my credit score and my consumer report information will be used solely in connection with identifying and providing me with pre-qualified offers.
While checking for pre-qualified offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for a pre-qualified offer with a participating issuer, that issuer may run a hard inquiry, which can impact my credit score.
Charges & Financial Obligations · Restriction or exception
Requesting pre-qualified offers through the platform is not a credit application and does not guarantee approval. You still need to submit an application to a participating issuer.
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I understand that requesting pre-qualified offers through Credit Karma’s CC Pre-Qualification Platform is not an application for credit and does not guarantee approval. I also understand that I will still need to submit an application with participating issuers.
Charges & Financial Obligations · Restriction or exception
Checking for pre-qualified offers does not create a hard inquiry or affect your score. If you choose to apply for an offer with a participating issuer, however, that issuer may run a hard inquiry, which can affect your credit score.
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While checking for pre-qualified offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for a pre-qualified offer with a participating issuer, that issuer may run a hard inquiry, which can impact my credit score.
Charges & Financial Obligations · Restriction or exception
Many credit card issuers participate, but not all do. Even for a participating issuer, the platform may omit some products. The terms describe available products as subject to change.
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Available Products Subject to Change. I understand that many, but not all, credit card issuers participate in the CC Pre-Qualification Platform and that the platform may not include every product offered by participating issuers.
Use & Processing · Company practice
Credit Karma has sole discretion over when, how often and with which participating issuers it checks for pre-qualified offers. Its choices are based on each issuer’s criteria, the availability of information needed to identify offers and other relevant factors; the terms do not promise a fixed checking schedule.
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I further understand that Credit Karma will determine, in its sole discretion, when, how often, and with which participating issuers it checks for pre-qualified offers based on criteria from each participating issuer, availability of information needed to identify prequalified offers and other relevant factors.
Account & Service Control · User right or choice
Credit Karma may send email or push notifications about recommended pre-qualified offers resulting from requests submitted on your behalf. These offer notifications are optional: you can turn them off in Communications & Monitoring Settings.
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Notifications About New or Recommended Offers (optional). I understand and agree that Credit Karma may send me email or push notifications to tell me about recommended pre-qualified offers I receive from pre-qualified offer requests submitted on my behalf. I understand that I can adjust my Communications & Monitoring Settings to turn off these offer notifications.
Account & Service Control · User right or choice
You can cancel your enrollment in the Credit Card Pre-Qualification Platform by visiting Communications & Monitoring Settings. This clause provides a way to end platform enrollment, separate from the preceding option to turn off offer notifications.
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I understand that I can cancel my enrollment in the CC Pre-Qualification Platform
Communications & Monitoring Settings.