I've literally received CK ads nonstop on YouTube for at least 3-4 months. The marketing budget is clearly an astronomical amount of money: I see every personalized campaign, every balance transfer ad, and ive had enough. I've now blocked the CK URL on my Google account to stop the ads on all my apps, let's hope it works. The transunion guesstimate score is not worth the price of your phone turning into a CK device. Download the app at your own risk. Prepare to be deeply, deeply profiled.