Credit Karma Privacy Policy

Last updated: January 2026 | Reviewed: February 2026

Free credit monitoring funded by advertising. Your complete financial profile is used to match you with financial products from paying partners.

Grade C

Bottom Line: Credit Karma's business model is built on your data. They collect comprehensive financial information from credit bureaus and use it to show you targeted offers from lenders and credit card companies who pay for the referrals. Since Intuit's acquisition, your data may be combined with TurboTax and QuickBooks data for even more detailed profiling.

Data Collection Summary

Data Type	Collected	Shared	Sold
Full Name & SSN	Yes	Bureaus	No
Credit Reports	Yes	Partners	Indirect*
Bank Account Info	Optional	Partners	No
Income Data	Inferred	Partners	Indirect*
Browsing Behavior	Yes	Advertisers	Yes
Location Data	Yes	Partners	No

*Indirect = Used for ad targeting without raw data transfer

Key Privacy Concerns

🔎 Comprehensive Financial Profiling

Credit Karma builds a detailed profile including credit scores, credit utilization, payment history, account types, and inferred income level. This profile is used to match you with financial products.

"We use your information to provide personalized recommendations for credit cards, loans, insurance, and other financial products that may be relevant to your financial situation."

🔎 Intuit Data Integration

As part of Intuit, Credit Karma data may be combined with TurboTax (income, employment), QuickBooks (business finances), and Mint (spending patterns) for cross-platform profiling.

"We may share information within the Intuit family of companies to improve our services and provide you with more personalized experiences across our platforms."

🔎 Third-Party Data Enrichment

Credit Karma supplements your data with information from data brokers, marketing lists, and public records to enhance their profile of you.

🔎 Referral Revenue Model

When you click through to a financial product offer and apply, Credit Karma receives a referral fee. This creates incentive to show you offers that pay well, not necessarily the best offers for your situation.

Your Rights

CCPA (California): Right to know, delete, and opt-out of sale
Opt-out: Can limit marketing but not core data collection needed for service
Data Deletion: Can request deletion but credit bureau data remains with bureaus
Do Not Track: Not honored

Credit Karma Privacy Policy

Data Collection Summary

Key Privacy Concerns

Your Rights

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