Credit Karma Editorial Guidelines

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Availability of products, features and discounts may vary by state or territory. Read our Editorial Guidelines to learn more about our team.
Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

Credit Karma’s editorial team works on your behalf, so we’d like to share a bit about the process and guidelines that inform our content.

Our mission

Our mission is to empower our readers to make financial progress, one step at a time. We believe progress is a journey made easier with help, so we root our content in trusted sources and independent research to give you the knowledge to reach your goals.

Our editorial principles

  • Accuracy. We all have our opinions, but facts come first. Our editors rigorously fact-check and review every piece of content we publish because everyone deserves accurate information. Our articles are accurate to the best of our knowledge when published.
  • Independence. Editorial content is not influenced by our marketing partners, and we draw a clear line between editorial and the rest of our business.
  • Real talk. If we suggest a product, it’s because we’ve thoroughly reviewed it and believe in its value. We’re open about our enthusiasm for certain cards or products, and we’ll tell it like it is when something doesn’t smell right.
  • Empathy. We’ve been there. We aren’t here to judge your financial situation or scold you for carrying a credit card balance. Our goal is to help you take the next step, not to dwell on any bumps or missteps.
  • Perspective. We know your finances are important to unlocking life goals like paying for college or saving for retirement. We want to help you understand how money can help you on your journey.

Our team

Our editors and writers come from diverse backgrounds. We’re career journalists, content marketers and editorial lifers with a (mostly) healthy obsession with all things personal finance.

We also bring our real-life experiences to the articles you read on Credit Karma. We’re parents with college expenses looming. Caretakers balancing family and career commitments. Young adults looking to buy our first homes and put down roots. We’re open about our own financial journeys (yes, even the rocky parts), and we hope they can help shed light on your own.

How we review content

Because accuracy is our first priority, our in-house team of editors and personal finance specialists ensures that everything you read is fact-checked and reviewed multiple times before publication. We also review articles for accuracy post-publication and regularly update content as we receive new information.

How we source content

All information included in our content is corroborated by authoritative and reputable sources and/or publications. If a statement or fact can’t be corroborated by a legitimate source, we don’t publish it.

If we reference any statistics or research conducted by an organization not associated with Credit Karma, we identify and/or link out to the original source.