Small businessnewNew since September 2026: not ranked then, 0% now.
0%from 0% in September 2026
Inside the floor by 10 pointsRank 48 of 81, unchanged
2 categories · Named, not rankedCredit Karma
10Judge labels
0First choices
3Negative labels
7 / 14Models named it
2Categories
October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.
Standing
9 labels, too few to rank
A product needs 10 labels in a category before a share or quadrant is stated. Credit Karma was named 9 times in B2B credit management and 1 other category, where Chaser led with 16%. The labels and the evidence are below, counted exactly.
By buyer segmentRead the same way at every buyer size.
Small business53 of 86
0%1 label
under the label threshold
Mid-market29 of 108
0%8 labels
under the label threshold
Enterprisenot named
0%
No model named it for this buyer.
In b2b credit management · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading
Standing by category
Every category where a model named Credit Karma for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
| Category | Function | Share | Rank | Negative rate | Labels | Quadrant | Since September 2026 |
|---|---|---|---|---|---|---|---|
| B2B credit management | Receivables and billing | 0% | 29 of 108 | 25% | 8 | under 10 labels · led by Chaser at 16% | =heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Expense management | Spend and procurement | 0% | 46 of 54 | 100% | 1 | under 10 labels · led by Ramp at 35% | newNew since September 2026: not ranked then, 0% now. |
Movement
Since September 2026, Credit Karma held within the floor in all two categories: no change cleared 10 points.
Best category · B2B credit management · by segment
Mid-market=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
0%from 0% in September 2026
Inside the floor by 10 pointsRank 56 → 28 of 97
All categories · Mid-market
| Category | September 2026 | Now | Change | Reading | Rank |
|---|---|---|---|---|---|
| B2B credit management | 0% | 0% | =heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 56 → 29 of 108 |
| Expense management | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 46 of 54, unchanged |
Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.
The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions
By model
How each model treated Credit Karma across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.ShowHide
By model
How each model treated Credit Karma across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ShowHide| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 1 | 1 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.1 Fast | 0 | 1 | 0 | 1 | 2 |
| Mistral Small | 0 | 0 | 1 | 0 | 1 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 1 | 0 | 0 | 1 | 2 |
| Kimi K2 | 0 | 0 | 1 | 0 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 1 | 0 | 1 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |
By framing
Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct0 labelsNone
Paraphrase0 labelsNone
Comparative4 labels1not counted in share
Budget-constrained0 labelsNone
Scale-constrained0 labelsNone
Negative6 labelsNone
First choiceAlternativeMentionNegative10 labels in all, every segment counted; 0 of the 1 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.
What the models said for it
Verbatim evidence the judge attached to positive labels.
“For a quick, free health check: Stick with Credit Karma.” Qwen 3.7 Flash · B2B credit management · comparative prompt · first choice
“free platforms like Credit Karma or WalletHub offer free credit score tracking and monitoring” Gemini 3.5 Flash · B2B credit management · negative prompt · alternative
“Apps like Credit Karma, Credit Sesame (free monitoring, tips)” Grok 4.1 Fast · B2B credit management · negative prompt · alternative
And against it
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“Credit Karma is one tool you should be particularly cautious with. It currently holds an "F" rating from the Better Business Bureau” Claude Haiku 4.5 · B2B credit management · negative prompt · hard negative
“Many popular apps (e.g., Credit Karma, Credit Sesame, various bank apps) offer free scores but come with significant caveats. You should approach them with skepticism” Qwen 3.7 Flash · B2B credit management · negative prompt · soft negative
“migrated to Credit Karma, which users call a downgrade with privacy echoes” Grok 4.1 Fast · Expense management · negative prompt · soft negative
Named alongside
The products named in the same answers as Credit Karma, over the 10 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Credit Karma was named but was not.ShowHide
Named alongside
The products named in the same answers as Credit Karma, over the 10 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Credit Karma was named but was not.
ShowHideProductSame answerTook the first choice insteadHead to head
A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.
What carried it into the answer
The sites and pages cited by the answers that named Credit Karma. A fact about retrieval, not a lever on the model.
Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 10 of the 10 answers that named Credit Karma and are not a share of its labels.
Domains cited
equifax.com3
g2.com3
worldmetrics.org3
bbb.org2
billtrust.com2
blog.crsoftware.com2
chase.com2
consumer.ftc.gov2
consumerfinance.gov2
creditpulse.com2
Twenty-three of the twenty-three domain citations in answers naming Credit Karma came from somebody else's page.
Pages cited
Pages are listed as the models cited them.
What it publishes
ShowHide
What it publishes
ShowHideAddresses on boncredit.ai
259
subdomains included
Content
232
counted in the table below
Documentation
1
Product · Integration
12 · 0
| Kind | Pages | Last 90 days | 2025-10 to 2026-09 | Latest | Categories named |
|---|---|---|---|---|---|
| Blog | 174 | 43 | 2026-09-22 | ||
| Comparison | 35 | 13 | 2026-09-21 | ||
| Glossary or explainer | 13 | 2 | 2026-08-25 | ||
| Template or tool | 10 | 0 | 2026-03-20 |
Most recent
- 2026-09-22Why is tracking your expenses throughout the month important in 2026 blog
- 2026-09-21Static budget vs flexible budget which is right for you comparison
- 2026-09-14Unexpected expenses how to prepare yourself even for the small ones blog
- 2026-09-10Incremental vs zero based budgeting which one fits your income comparison
- 2026-08-25Why is zero based budgeting the best method of budgeting blog
- 2026-08-25How to create an emergency fund blog
How it is countedHide how it is counted
Every page boncredit.ai exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. Read September 29, 2026.
Follow Credit Karma
An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.
Already following? Everything you follow, with a stop for each.
The company
Credit Karma is its own company.ShowHide
The company
Credit Karma is its own company.
ShowHideIn its own words
Stated by the vendor, not checked- Price stated
- Free to Download boncredit.ai
- Starting price
- 0 boncredit.ai
- Free plan or trial
- Free to Download boncredit.ai
- Integrations claimed
- 10000 boncredit.ai
- Not stated on the pages read
- Positioning, who it is for, certifications, hosting, customers
What Credit Karma's own pages state, read October 6, 2026: boncredit.ai, boncredit.ai/features/unclaimed-money. A claimed page can correct any of them.
Is this your product?
Claim this page
Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Credit Karma's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Credit Karma, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.
What a new claim receivesHide what a new claim receives
A new claim receives the current edition's vendor brief for Credit Karma by email, built from the raw record of the edition. It shows:
- where Credit Karma is named, by buyer and by framing, and which cells hold its first choices;
- the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
- its vocabulary against the segment leader's, and the pages the models cited;
- who was chosen in the answers that did not name Credit Karma, and every reason the record gives;
- a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
- one page of published figures cleared to show a buyer.