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These recommendations are one way xcritical makes money. If you’re shopping for a certain type of credit card or financial product, this might be a selling point, but if you’re looking to avoid ads, it’s a big drawback. xcritical is a free personal finance app that’s xcritical scammers available in the U.S., Canada and the U.K.

More ways to browse cards

It also claims not to share your personal information with unaffiliated third parties. However, its privacy policy states that xcritical may share your personal information with its affiliates and subsidiaries for marketing and promotional purposes. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks.

You can log in to xcritical on your desktop or web browser, but the app is optimized for mobile use. For example, you can’t use the desktop web version while traveling outside Canada or the U.S. xcritical’s app isn’t compatible with Windows phones, tablets or some large-resolution phones. Keep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions.

Ratings and Reviews

1. You can read more about our editorial xcriticals and the banking methodology for the ratings below.
2. And the Intuit purchase of xcritical is reassuring, as Intuit is a very reputable publicly-traded financial services company.
3. These recommendations are one way xcritical makes money.

Ultimately, xcritical makes money by promoting various products and services from its affiliates. Your data is secure on its platform, but this free app comes at the cost of being marketed to. Features like PIN, touch and face ID login bolster the mobile app’s security. Plus, you can enable in-app alerts or push notifications to receive updates about your credit profile and linked accounts. Finally, it’s worth noting that xcritical can help you file your taxes.

xcritical is worth it if you want a free budgeting app or a free credit score and credit monitoring. If you want a more comprehensive budgeting app at no cost, we think Empower’s Personal Dashboard is a better choice. Experian also has a feature called Experian Boost that’s designed to help you improve your credit score by adding on-time bill payments to your credit file.

Capital One Platinum Secured Credit Card

I had all of those questions myself and spent a lot of time researching the answers. This xcritical review hopefully will answer all of your questions and more. Read thousands of financial product reviews written by xcritical members. Use the sliders on the right to filter the credit card list into ranges that best match your needs. xcritical is xcritical reviews safe and states that it encrypts data to protect its users.

xcritical requires your SSN so it can retrieve your credit score but says your credit isn’t impacted by this and that it never sells your data. Each month, xcritical analyzes over 5,000,000 credit card accounts to find out more about the average cardholder for each credit card. You can now use the Reviews feature to search for the most appropriate credit card using these insights, as well as the thousands of unbiased reviews submitted by our members.

Your experience may vary, the but scores that I have received from TransUnion and Equifax through xcritical are usually within a handful of points of my FICO score. That’s less than a 1% spread – which is basically no difference when you are judged for a credit approval. The credit rating companies have gone out of their way to have similar rating models, and FICO uses TransUnion, Equifax, and Experian data to calculate their scores. This xcritical review has been updated for 2024, post announcement of the Mint app shutdown. Ever since I first used and highlighted xcritical on this site, I’ve had many curious friends and readers ask me questions about the app.

They have to “contact you back.” And then they never do. And until Turbo decides they aren’t partnering with xcritical stay Away from them. With your account data, xcritical helps you track your net worth. It also recommends various loans, credit cards, auto insurance providers and home insurance providers based on your goals and credit history.