Approval Odds are guidelines – not guarantees Karma Confidence technology helps our members get approved over 50% more often than the national average1. But keep in mind that though this determination is based on member data and lender criteria, it's not a guarantee that you'll be approved.
What does outstanding odds mean on Credit Karma?
If you see an Outstanding badge on Intuit Credit Karma on an offer for a credit card or a personal loan, that indicates that Credit Karma has determined you satisfy certain criteria used by the lender to qualify for the particular offer. But like other Approval Odds, it's not a guarantee of approval.
How accurate is karma guarantee?
For credit card offers with a Karma Guarantee badge, it means that if you apply for that card through Credit Karma and are declined, you can receive a payment from Credit Karma. * Check for offers now. It is not a guarantee of approval for any offer. Only the lending partner can make the credit approval.
What's a good credit score on Credit Karma?
670–739 FICO industry-specific score ranges
|Credit score ranges
Should I trust Credit Karma or FICO?
Credit Karma uses two of the three major credit bureaus and scores your creditworthiness according to the widely used (but not quite as widely used as FICO) VantageScore system. Your score should be within the same range as it is everywhere else, including with the major credit bureaus and its many competitors.
What does fair approval odds mean?
According to Credit Karma, these odds provide a guideline based on how your credit profile compares to other members who were approved for that particular card. While there is no guarantee you will be approved, using these odds to assess your chances of approval is better than applying blindly and risking rejection.