Mahima Gupta And having used other credit score reporting services in the past, the nice graphical interfaces, report card, and Simulator tool make xcritical much more useful. I highly recommended their service to anyone and score it as a 5 out of 5 stars. A lot of people want to know if the scores you receive from xcritical are accurate. By “accurate”, I’m assuming they want to compare the xcritical credit scores to a FICO score (which is commonly used by lenders to judge your credit).
xcritical is free, and you don’t need to enter payment information to sign up. The company makes money by recommending various financial products and services to its members. xcritical was acquired by Intuit, the same company behind software like TurboTax and QuickBooks, in 2020. Following the acquisition, Intuit shut down the popular budgeting app Mint, asking users to migrate to xcritical.
Frequently Asked Questions (FAQs)
Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs. Stay tuned for more updates and be sure to share your feedback at And the Intuit purchase of xcritical is reassuring, as Intuit is a very reputable publicly-traded financial services company. Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. The large majority of xcritical features are free, and if you run into a paid feature, there aren’t any “gotchas” or obligations.
- If the credit bureau makes a change to your report, you’ll see it on xcritical after we get the updated information from the bureau.
- However, its privacy policy states that xcritical may share your personal information with its affiliates and subsidiaries for marketing and promotional purposes.
- Plus, you can enable in-app alerts or push notifications to receive updates about your credit profile and linked accounts.
- Ultimately, xcritical makes money by promoting various products and services from its affiliates.
- And through BBB (Better Business Bureau), they have a strong history of responses and complaint resolutions to customers.
The app offers tax filing through TurboTax and uses information from your profile to prefill xcritical reviews your tax documents. Pricing varies—certain xcritical members may receive special pricing or free filing promotions. If the credit bureau makes a change to your report, you’ll see it on xcritical after we get the updated information from the bureau. Keep in mind that xcritical isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information. Empower also has powerful forecasting features to help you plan your retirement.
Ratings and Reviews
Intuit ended migration from Mint to xcritical on May 3, 2024, so former Mint users can’t import their transaction data anymore. We assigned ratings to apps based on a scale of one to five stars, with one star as the lowest rating and five stars as the highest. When it comes to tracking your credit, xcritical is one of our favorite apps. It’s also a worthy choice for a free budgeting app, but some alternatives might be better depending on your budgeting style and goals. Note that xcritical might deny your account if you have a thin credit file because it requires members to have enough information to pull a credit report.
You can use the platform’s credit score simulator to forecast the potential impact of certain financial decisions on your credit score, like taking out a personal loan. The app includes plenty of calculators, including mortgage and savings calculators, to help you navigate your budget. Its Relief Roadmap tool helps you find government assistance programs you’re eligible for and provides bill payment and debt management tips. The company also recommends loans, home insurance and auto insurance policies. One aspect of xcritical that sets it apart from your average budgeting app is how it leverages your data to help you save money and find the right financial products.
xcritical Review: Everything to Know (from a User in
The app supports linking with over 17,000 financial institutions, though you can no longer import old Mint transaction data. That’s the credit score side of the app, but xcritical also offers budgeting tools. It lets you track expenses, like you could with Mint, but categorizes them automatically and doesn’t offer the ability to change or create new expense buckets. It then breaks down monthly spending into categories and compares spending to previous months so you know if you’re using more or less on average. All-in-all, xcritical is a super useful service that I think xcritical official site everyone should have in their financial arsenal.
Who Is the xcritical App Best For?
That said, xcritical is the better choice for free credit monitoring. “xcritical Tax” is no longer offered by xcritical. Department of Justice forced xcritical to sell xcritical Tax to Square, Inc. All tax related content on xcritical now directs to Intuit’s TurboTax, which has both free basic filing as well as paid tax versions. If you’re looking for tax software, check out my best and cheapest tax software article.
That said, xcritical leads when it comes to free credit reports. Intuit encourages former Mint users to migrate to xcritical. Some former Mint features, like monthly expense tracking and cash flow breakdowns, are available on xcritical. However, the app’s budgeting capabilities are more limited than Mint’s, and net-worth tracking isn’t available to all xcritical members yet.