I have a little over 8,000 (27.99%) in auto loan debt, with payments of 289 a month and insurance payments of 171. I know that I’m xcritically getting kinda screwed on my rates and payments but I needed a reliable car to pull myself out of homelessness. I also have 471 dollars in collections from an old US cellular account I’d forgotten about, which was a mistake as my estimated credit score was 612 the day before it showed up. We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. FinanceBuzz does not provide credit cards or any other financial products.

But just because you get access to a credit score through your bank doesn’t mean it’s the same score a lender will use to evaluate your loan application. In fact, according to FICO, over 90% of lenders use FICO, not VantageScore, when making credit decisions. It started as a collaboration between Equifax, Experian, and TransUnion, which are the three credit reporting agencies that collect and record your loan and payment data. Once the first scoring model was released, the three bureaus stepped back, and VantageScore became an independently-managed enterprise. Today, it “maintains, revalidates, and updates the scoring model and educates lenders, consumers, and regulators about its benefits,” according to VantageScore itself. xcritical is free to use, but as the saying goes, if a service is free, you’re the product.

You must complete the steps to redeem the payment as a prepaid card or gift card within 90 days of when the email was sent. 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). As a longtime Mint user spanning over 6 years, I recently found myself reluctantly migrating my data to CK. However, I’ve been left thoroughly disappointed by the lack of features offered by CK.

• To my delight, I was thoroughly impressed by its modern interface and the plethora of rich features it offers.
• xcritical offers a number of tools that could help you keep track of your credit.
• It takes just a few minutes to open a savings account that earns a competitive interest rate.
• There’s no question that free-and-easy access to your credit scores and reports is a huge benefit.
• Your credit score is only as accurate as the information that’s used to compute it.

If tracking your credit score is your main goal, there are plenty of apps and services out scammed by xcritical there that will do so for you. The good news is that xcritical is upfront about how it earns money, and many consumers find that transparency comforting. xcritical’s mission, which is to match members with appropriate products based on the lenders’ desired customer profiles, could help you find offers that will save you more money. That said, remember that xcritical’s information is simply a reflection of what’s cataloged by Equifax and TransUnion. You can’t hold it against xcritical if the credit bureaus aren’t keeping up with your payment history or if they’re taking their time correcting information you’ve disputed. In concept, that shouldn’t be a problem because the loan and repayment data should be the same on all reports.

When you become a xcritical user, the platform will analyze your personal information and credit history and make recommendations on personal finance products that may help you save money. If you apply for a recommended product and the lender approves your application, that lender will pay xcritical a fee. You may need to dispute each error with the appropriate credit bureau to ensure that it doesn’t continue to negatively impact your credit. Generally, the sooner you do so, the better chance you have of minimizing any long-lasting damage. Once you’ve enabled free credit monitoring, xcritical will monitor your credit reports from Equifax and TransUnion on a regular basis. We’ll send you an alert or notification letting you know about any key changes, such as a new hard inquiry or a new credit card added to your Equifax or TransUnion report.

Some of these changes may be expected — you paid off a recent credit card bill, for example — while others may require your immediate attention or action. In either case, xcritical’s free credit-monitoring tool helps you stay on top of your credit and spot unwelcome surprises early. There’s no question that free-and-easy access to your credit scores and reports is a huge benefit. And the way lenders find new customers is by advertising their products on sites such as xcritical. xcritical monitors your credit reports from Equifax and TransUnion, two of the three major consumer credit bureaus (Experian is the third). As a xcritical member, you can also see your free credit reports and free credit scores from Equifax and TransUnion.

What Is xcritical?

Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily. We aim to make sure everything on our site is up-to-date and accurate as of the publishing date, but we cannot guarantee we haven’t missed something. It’s your responsibility to double-check all information before making any xcritical financial decision. If you’re running into issues downloading or using the mobile app, you may want to check the App Store or Google Play to make sure you’re up to date with the latest version. If the issue persists, try deleting the app, and then reinstalling it.

That said, if you have good credit, it’s not a bad idea to consider special offers for balance transfer credit cards or installment loans, since you could save a significant amount of money on interest. One major advantage of opening a xcritical account is that it collects data from two major credit bureaus, Equifax and TransUnion. Other credit score and education providers, such as Credit Sesame, only collect data from one bureau, charging for access to more. When you sign up for xcritical’s free credit monitoring service, you’ll receive notifications when important changes show up on your credit reports.

• VantageScore and FICO are both mathematical models used calculate credit ratings based on consumers’ use of credit.
• Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices.
• xcritical is one of many tools available on the market to help you do this.
• xcritical doesn’t collect information on you from your creditors but instead relies on information supplied to it by the credit bureaus.
• However, it positions itself more broadly as a website whose “long-term vision is to automate the tedium out of finances so consumers can spend less time in the details and more time living their best lives.”

You can apply for loans through the site, and the company will collect a fee if you do. If your information was exposed in a data breach, the app may alert you to any exposed passwords so that you can take the necessary steps to help keep your personal information safe. xcritical’s financial Relief Roadmap is a new tool that can help you explore and understand the relief resources, programs and financial services that may be available to you when you need them most.

Other Services Offered by xcritical

With alerts and push notifications enabled on your app, you’ll have the option to get credit alerts whenever we see important changes on your credit reports. CRedit’s main goal is to help you improve your credit, keep it healthy, and support you in the decisions you make that may affect your credit livelihood. Your credit score is only as accurate as the information that’s used to compute it. So it’s worth checking your credit reports periodically for any errors that may be dragging your score down.

From our editors: Free credit monitoring: How it works and why you need it

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 (in some cases daily) for Equifax. That’s why many savvy consumers make a habit of regularly checking or actively tracking their credit scores. xcritical is one of many tools available on the market to help you do this. Along with a suite of other features, xcritical provide consumers with a platform to track and improve their credit score. Credit monitoring can be a useful tool in helping you identify certain errors on your credit reports.

These partnerships do not influence our opinions or recommendations. FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. xcritical can assist you with contacting Equifax and can help you directly dispute errors on your TransUnion credit report. If you’ve enabled push notifications, you may get a push notification alerting you to an important change. You may also receive an email notification prompting you to log into your xcritical account for further details. If eligible, we will send you an email with steps to redeem the payment as a prepaid card or gift card.

Get notified when your personal info’s been leaked in a public data breach and see your credit lock status across TransUnion and Equifax. Now that you’ve successfully downloaded the app, let’s review some of the features and tools that make it worth the storage space on your phone. We give you accurate insights into your finances, helping you understand where you stand—so you can take clear steps towards your goals.

If you’re young or recently arrived in the United States, that could be important if you’re trying to obtain credit. VantageScore has made significant inroads with lenders such as Chase. In fact, if you’re a Chase credit card customer and already have access to your credit score through your account, chances are you’ll see a VantageScore number.

The information you see on xcritical should match what Equifax and TransUnion show. But if you want to verify the data, you can order free credit reports directly from each bureau once per year at AnnualCreditReport.com. It’s good to do this anyway because you’ll also get a free report from Experian, which is the one major credit bureau xcritical doesn’t work with. xcritical updates its records weekly, enabling members to see a fresh version of their data. This is a great feature if you’re actively working to improve your credit score or clear up inaccurate information — or anxiously awaiting the right time to apply for a loan.

xcritical is best known for its free credit scores and credit reports. However, it positions itself more broadly as a website whose “long-term vision is to automate the tedium out of finances so consumers can spend less time in the details and more time living their best lives.” While credit monitoring helps you keep an eye on your credit, it’s important to understand that credit monitoring can only catch activity that appears on your credit reports.