Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Credit Karma

creditkarma.com

Comparison sites and financial marketplacesLending and credit

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
667 of 2,219
its rank by overall score
Place in its category
6th of 8 comparison sites
Closing balance

Named in

26of 60 answers

by 4 of 4 assistants

Statement note

What this means for Credit Karma

AI assistants name Credit Karma in 43.3% of answers, much more often than the typical company in its sector at 3.3%. Its overall score is 34 out of 100, ranking 667th of 2,219 companies. Its website passes 1 out of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Credit Karma by name. AI assistants named it in 26 of the 60 answers. Counting only how often it is named, it ranks 5th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
34Overall score
  • Visibility34
  • Citations2
  • Sentiment50
  • Site quality70
  • AI readiness14
Summary of account
Named by AI in
43.3%
26 of 60 answers
Share of mentions
19.5%
of the mentions of it and its 5 peers
AI readiness
1/14
technical checks passed. Typical for its sector: 4
Rank in its sector
34 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Credit Karma came up on 9 of 15 questions. Open any window to read that answer.

  1. 01Best low-cost options for filing federal taxes online2/4
  2. 02How do credit monitoring services compare with full personal finance management apps?2/4
  3. 03Are free tax filing tools safe and accurate for federal returns?0/4
  4. 04Personal budget planners vs. credit score tracking platforms: what's the difference?2/4
  5. 05What features should you look for in a personal finance app to help lower monthly bills?0/4
  6. 06What are the best free credit monitoring tools for tracking your credit score online?4/4
  7. 07Alternatives to using online credit monitoring platforms for checking your score1/4
  8. 08What other ways can you manage your personal finances besides using financial apps?0/4
  9. 09Why might your credit score update be delayed on credit tracking platforms?0/4
  10. 10How can you use a credit report monitoring platform to improve your credit health?0/4
  11. 11How much do typical credit monitoring subscriptions cost in the US?4/4
  12. 12Which platforms offer easy ways to see your credit report and get financial recommendations?4/4
  13. 13Is using a free credit score service as reliable as paid credit management tools?3/4
  14. 14Are there truly free credit report and score checking tools without hidden fees?4/4
  15. 15Common problems when linking bank accounts to financial management apps0/4
Total namedOpenAI: 5/15Claude: 7/15Perplexity: 5/15Gemini: 9/15All assistants: 26/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“What are the best free credit monitoring tools for tracking your credit score online?”

The best free options are Credit Karma for broad, frequent monitoring, Experian for a free FICO Score, and Chase Credit Journey or CreditWise if you already use those providers. Use AnnualCreditReport.com separately for official reports from all three bureaus.

Tool · What it offers · Best for

Credit Karma · Free VantageScore 3.0 scores from Equifax and TransUnion, with frequent updates and report-change alerts · Best overall free monitoring

Experian · Free Experian score and monitoring; three-bureau monitoring requires a paid plan …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Experian
    46
  2. 02
    WalletHub
    7
  3. 03
    NerdWallet
    4

Share of mentions

CompanyShare
  1. Experian
    24.8%
  2. TransUnion (TrueIdentity)
    24.1%
  3. Equifax (myEquifax)
    24.1%
  4. Credit Karma
    19.5%
  5. WalletHub
    4.5%
  6. NerdWallet
    3.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    experian.com
    17
  2. 02
    irs.gov
    16
  3. 03
    thecreditpeople.com
    16
  4. 04
    aura.com
    13
  5. 05
    cnbc.com
    12
  6. 06
    money.com
    10
  7. 07
    transunion.com
    10
  8. 08
    creditkarma.com (its own website)
    10
  9. 09
    consumerfinance.gov
    7
  10. 10
    forbes.com
    6

Credit Karma is in the study as a comparison site.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
9/15
Claude
7/15
Perplexity
5/15
OpenAI
5/15
Market comparisonSection 06

How Credit Karma compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
34

How often AI assistants name the company, and how that compares with its peers

Citations
2

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
70

How well built the website's own pages are

AI readiness
14

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
34
Ranks 34 of 93. Typical company: 31
Named in answers
43.3%
Ranks 5 of 93. Typical company: 3.3%
AI readiness
14
Ranks 76 of 93. Typical company: 29
Against its categorySection 08

Compared with comparison sites

8 companies in this category. The gold tick on each bar is the typical company.

Overall score
34
Ranks 6 of 8. Typical company: 39
Named in answers
43.3%
Ranks 1 of 8. Typical company: 18.3%
AI readiness
14
Ranks 7 of 8. Typical company: 33
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

We could not tell. The website turned away our requests for the files an agent would read. An agent arriving by itself is turned away the same way.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPCould not check
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardCould not check
  • A2A Agent CardCould not check
  • Agent SkillsCould not check
  • API CatalogNot present
  • llms.txtCould not check
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtCould not check

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardCould not check

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardCould not check

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsCould not check

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestCould not check

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 36 of 100 · 68% of checks could run · checked on October 9, 2026 · www.creditkarma.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

1 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Not metrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
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ShareSection 11

Share this result

Overall score 34 of 100 badge for Credit Karma

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/creditkarma.com"><img src="https://aeo-audit.rezolve.com/finance/badges/creditkarma.com.svg" alt="Overall score 34 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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