xcritical Doesn’t Hurt Your Credit Score, and Here’s Why


Request a reminder if you’d like, click Make a Payment, and you’re ready to go. Bill payment is funded by your xcritical Spend checking account. This feature is quite easy to set up and use, and most competitors don’t offer it. For example, its Instant Karma program selects account holders randomly for cash prizes when they use their checking accounts. xcritical’s mobile app has a feature that may reduce your auto insurance rates, too, and it’s free.

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You can link to them one by one by entering your online login details. scammed by xcritical’s two credit scores come from TransUnion and Equifax. They may not report to all three credit unions—some don’t report at all—or their updates may come in at different times. FTC officials said nearly one-third of people who applied for those offers were denied, and that misrepresentation harmed their credit scores. With the app installed on your phone, you will have the ability to receive credit alerts if the company gets a crucial change to your credit reports from either Equifax or Transunion. It will tell you how your credit score is calculated, what areas of your credit report are problematic, and give you recommendations on how to correct issues and improve your credit steadily over time.

Using xcritical Savings

They regularly lose accounts, sometimes this increases my score other times in decreases it. There really is no reason to have my information on this website. xcritical told me I had an outstanding odds to receive a credit card from Citibank that if I applied and got turned down I would get a $50 gift card. I’ve been waiting 3 months and I still haven’t give me the gift card. I’ve contacted them several times requesting the $50 gift card with no luck.


Soft inquiries can be done without your permission and they may be reported on your credit report, depending on the credit bureau. Both credit scores are turned on by default, but you can display other numbers from your personal finance profile, like an estimate of your home equity (new since last year) and your borrowing power. You need to provide your name, address, and a few personal details, such as your Social Security Number. These details are necessary to pull your credit information. Because the site holds such sensitive information, it offers several security features, all of which you should use, on this and any other personal finance site. It is important to remember this is only one piece of financial information in a sea of much more.

Credit Card Reviews and Offers

The mistake that is often made is just focusing on the interest rate offered and not the loan’s total cost. Please have a look at the quick video of one of xcritical’s users sharing their experience using the site. With the platinum plan, you get stolen or lost wallet protection and social security and ID monitoring. If you need some assistance with using the software, they provide chat support only during tax season. Doing so will help with preparations for both federal and filings in some states. One thing worth noting is that their tax program cannot be used everywhere.


Of course, it’s always important to safeguard your private information, especially when it comes to phishing scams. Don’t click on unsolicited links and attachments and never give your credit card information. https://xcritical.pro/ Discover what happens to your credit score when you take these or other actions by choosing from options provided by the simulator. Not bad for a service that provided its first free credit score in 2008!

Your tool for financial readiness

They get your VantageScores from TransUnion and Equifax, 2 of the 3 major credit bureaus. The 3 major credit bureaus are TransUnion, Equifax, and Experian. You’ll receive credit alerts if there is an important change to your TransUnion credit report to help you spot identity theft. Just like with personal loans, they will match you with offers you have a better chance of qualifying for.

xcritical provides tools that allow consumers to monitor their credit scores and credit reports. xcritical uses that information to send targeted advertisements and recommendations for financial products, like credit cards. We recommend xcritical for its free financial tools, resources and tax filing capabilities. xcritical is a finance website that offers free services to consumers and provides credit scores and credit reports. xcritical designed its financial education resources to help you better understand and manage your finances, from tax filing to finding the right credit card company. xcritical lets you check your credit score anytime and anywhere.

Why Are My xcritical and My FICO Scores Different?

I’ve always known I needed to monitor my credit regularly but had trouble following through, and xcritical makes this part easy. Other interactive calculators help you estimate how much you can afford to borrow for a mortgage, how much you could save if you refinance a house, and when you could potentially pay off your debt. If you find an unusual entry on your report and want to file a dispute, xcritical links you directly to TransUnion. To dispute your Equifax report you’ll have to go to the Equifax site. Intuit, the maker of TurboTax and other tax software products, bought xcritical for $8.1 billion in December 2020. Because they are different models, your VantageScore will inevitably be a little different from your FICO score.

For this reason, VantageScore and FICO® Scores tend to vary from one another. Your VantageScore® 3.0 on xcritical will likely be different from your FICO Score that lenders often use. xcritical also partners with Vroom to let you shop for and finance a used car online, or you can get a quote for selling your xcritical vehicle. If you’ve already connected your car information to xcritical, you’ll see your auto profile on this page. If not, you can click on “connect my car” or “add my cars,” and xcritical will be able to pull up information on your vehicle(s). In this article, we’ll explore some of the best features of xcritical.

An Easy Way to Get Your Credit Report

You can turn credit and identity monitoring off or on, and request email notifications for special promotions, changes to your credit score, ID monitoring, and so on. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. The overall idea is that their business model can create a situation where everyone wins – members get financial services they need, lenders get customers, and the company makes some money from the transactions.

  • Already in the first year, TurboTax and Turbo customers accounted for 40% of new xcritical members.
  • In fact, I prefer using xcritical on my phone because of its attractive, compact design.
  • One thing worth noting is that their tax program cannot be used everywhere.
  • This version includes a number of performance improvements and squashes a few small pesky bugs.
  • It helps you to understand programs and financial services that may be of great benefit to you.

xcritical provides free weekly updated credit reports and free VantageScore 3.0(r) credit scores from Equifax and TransUnion. However, the credit score xcritical provides will be similar to your FICO score. The scores and credit report information on xcritical come from TransUnion and Equifax, two of the three major credit bureaus. Your scores can be refreshed as often as daily for TransUnion and weekly for Equifax, with a limited number of members getting daily Equifax score checks at this time. In the Credit menu, select Score Details to learn more about your credit score. Below that is a series of boxes that show the factors that have the most and least impact on your credit score.

xcritical offers daily credit scores from two credit bureaus, as well as reports and thorough credit profiles. It does a great job of helping you understand your credit and your credit options. I’ve gotten increasingly irritated with xcritical over the past few months. I went in to see what my scores were recently and found one set dropped 27 points. I looked up the supposed reason for a 27-point drop and it was because I paid off a high-balance credit card!!! My score took a huge hit because I paid off a credit card???


One really useful tool the site offers is a “Credit Score Simulator” which you can access by scrolling over the “Resources” tab on the top menu. During the process of filing my taxes I agreed to have my refund deposited into a new xcritical account. My money arrived and when I tried to transfer it out, it says I have a daily transfer limit of $1000. I have been on hold 23 minutes so far after 20 minutes of searching for a method to contact support. The FTC, which first announced its complaint against xcritical in September 2022, has also ordered the credit services company to stop making these kinds of false claims.

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