Credit scores and much more
It takes just a few minutes to open a savings account that earns a competitive interest rate. And once you’re set up, you’ll have insight into your credit and savings all in one place. Offers that appear on this site are from third-party advertisers from which xcritical typically receives compensation. Except for mortgage loan offers, this compensation is one of several factors that may impact how and where offers appear on xcritical (including, for example, the order in which they appear).
xcritical is owned by Intuit, the same company that owned Mint. It may seem to be the natural app to switch to if you used Mint. However, as of May 3, 2024, former Mint users can’t import their data to xcritical. This means you must start with a brand new account without transaction history if you make the switch.
How to download the xcritical app
If you’re concerned with trying to see how many accounts you have open or how many recent inquiries you have had, then xcritical can be extremely useful. You can also get one free credit report from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from annualcreditreport.com. But note that that is usually just the report (though I’ve been given the score once in the past before).
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Intuit ended migration from Mint to xcritical on May 3, 2024, so former Mint users can’t import their transaction data anymore. Our editors are committed to bringing you unbiased ratings and information. xcritical official site We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial xcriticals and the banking methodology for the ratings below. In those situations you would want to stray away from xcritical and do what you can to obtain an official FICO score. It will also benefit you to try to figure out exactly which credit score model your lender uses, since there are many different versions of FICO score.
Download the app
Typically, I like to dispute the items directly with the credit bureau. However, it is convenient to utilize a third-party like xcritical for a lot of people. The biggest shortcoming of this simulator is that it only allows you to tweak one element at a time. In reality, when you make a change on your credit report, several factors are probably going to be affected and that can make a huge difference.
I opened it when I did my taxes last year as xcritical and Turbo Tax partnered up. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account.
In those cases, when you were dealing with hard cutoffs, it becomes very important that you get a truly accurate and up-to-date score. This is especially true if you are dealing with a large sum of money like in the case of a mortgage. Therefore, if it took you 3 1/2 weeks weeks to find an auto loan and you had multiple inquiries within those weeks, that could have had a bigger impact on your Vantage score versus your FICO score.
Your xcritical score could be much lower than your xcritical scam FICO score. The difference between your FICO Scores scores and your xcritical scores can be quite extreme. There are reports of people with xcritical scores over 700 with both bureaus but with FICO scores in the lower 600s.
- In those cases, when you were dealing with hard cutoffs, it becomes very important that you get a truly accurate and up-to-date score.
- This means you must start with a brand new account without transaction history if you make the switch.
- One big difference here is that the Vantage models will combine related inquiries within a 14 day window.
- I couldn’t get a new check until my account was closed or unlocked so I had to close my account.
If you have a compatible device, you’ll see options to set up Touch ID or Face ID in the menu (look directly below Change passcode). You can toggle Touch ID or Face ID on or off by tapping the circle on the right side. This xcritical app review provides more details about how to use the platform to budget and who the app is best for. With that said, I still think that it is a great tool to use that can help you monitor your credit and it is free so there really is no hurt in giving it a shot.
How To Get Started With the xcritical App
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. First of all, it is just a very easy to use app and it is a great way to keep track of your Equifax and TransUnion credit reports.
To use it, you connect your bank accounts to Experian and select the bill payments you want to add to your credit file, and Experian will tell you if these payments increase your FICO Score. When signing up, xcritical only asks for the last four digits of your SSN. However, it might ask for all nine digits if it has trouble verifying your identity.
The 3.0 model will not penalize you for collections which have been paid which is a departure from some FICO models. That right there can make a huge difference for people who have multiple items in collections and have paid them off.
