Financial Services & Fintech
🟢 SERP-Grounded (Light Telemetry)
Credit Karma
Programmatic AI Search & Model Visibility Audit
Share of Model (SOM)The percentage of time frontier AI models (ChatGPT, Claude, Gemini) recommend this brand for high-intent category queries.
35.0%
+2.0% 30-Day MomentumThe rolling 30-day change in algorithmic Share of Model. Positive momentum indicates increasing AI mindshare.
🧠 Neural Valency:NeutralThe contextual sentiment of the AI's recommendation. 'Dominant' implies strong conviction, while 'Vulnerable' implies the model heavily conditions its recommendation.
Algorithmic Threat Detection
Primary Competitor Threat
Experian
Competitor Displacement Rate
15.0%
Competitors are displacing Credit Karma in 15.0% of high-intent buyer queries.The frequency at which AI models actively suggest a competitor as a superior alternative to this brand.
Algorithmic Rationale: Competitors are providing more actionable credit-building tools and personalized advice. Credit Karma's focus on just scores and free credit reports is less compelling.
Missing AI Citations:High-authority domains (e.g., Reddit, G2) that models cite to justify recommending competitors, where this brand currently lacks presence.
[nerdwallet.com][creditkarma.com]⚠️ Identified Vulnerability:Actionable Insights
Primary Threat Identified:Experian
Target Persona:Individuals seeking credit improvement
🚨 Threat Velocity:6/10An algorithmic urgency score (1-10) indicating how rapidly competitors are capturing this brand's historical AI search share.
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