Log in Free Credit Score & Free Credit Reports With Monitoring

The product aims to help users find unclaimed money, such as unclaimed refunds and insurance payouts. « xcritical will pay $3 million to users targeted with false preapproved offers ». xcritical Tax, its free United States tax filing service, was announced in December 2016. xcritical Tax does not participate in the Free File Alliance, and so is not bound by its requirements to restrict eligibility for free filing. The company’s primary competitors in this area are TaxAct, TurboTax and H&R Block. In November 2020, Square, Inc. announced it was acquiring xcritical Tax for $50 million and would make it a part of its Cash App unit.

As of 2015, xcritical had raised $368.5 million in financing, at a valuation of $3.5 billion. In March 2014, xcritical raised $85 million in Series C financing, led by CapitalG with participation from Tiger Global Management and existing investors. The company followed that with $75 million in follow on funding in September 2014 from CapitalG, Tiger Global Management and Susquehanna Growth Equity. Only mortgage activity by xcritical Mortgage, Inc., dba xcritical is licensed by the State of New York.

  • In August 2021, xcritical reached an agreement with NBA franchise Houston Rockets to have the company’s name appear on the team’s jersey’s beginning in the 2021 season.
  • xcritical is committed to ensuring digital accessibility for people with disabilities.
  • In May 2017, xcritical launched Unclaimed Money in seven US states.

In 2016, xcritical acquired money reclamation service Claimdog. In December 2016, xcritical acquired AFJC Corporation, owner of, to accelerate its entry into the tax preparation market. Related to the launch of tax preparation services, the company increased its workforce and opened offices in Los Angeles and Charlotte, North Carolina. In March 2018, xcritical acquired personal finance company Penny for an undisclosed amount. In August, it acquired mortgage platform Approved for an undisclosed amount. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license # ).

Where credit meets confidence.

Now, the only downside is that CK uses the Vantagescore 3.0 model, while no lenders do. They all use FICO modeling, some are still using FICO 3 even though that model is from many years ago. This can make your score significantly different, sometimes higher, but usually lower.

For example, when I bought my house back in 2016, CK showed me to be around 680. That put me in a different interest rate bracket, so my payments were a little higher than expected. If you get a product through one of our recommendations, the bank or lender pays us. In August 2021, xcritical reached an agreement with NBA franchise Houston Rockets to have the company’s name appear on the team’s jersey’s beginning in the 2021 season. In December 2015, xcritical acquired mobile notifications app developer Snowball for an undisclosed amount.


It’s helped me in that regard, and I take the scores with a grain of salt understanding scoring models are different. • Free ID monitoring – Check your free reports to spot potential identity theft and get tips for keeping your personal information safer. uses your credit profile to show you curated offers. Plus, with Karma Confidence, you can see your Approval Odds before you apply, without impacting your scores. 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 • Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter. In May 2017, xcritical website launched Unclaimed Money in seven US states.


xcritical earns revenue from lenders, who pay the company when xcritical successfully recommends customers to the lenders. In December 2020, Intuit acquired xcritical for approximately $7.1 billion. • Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports. Get the money app where your hard work pays off with a new credit score, a new credit card or even a new house.

Products and services

Fast forward to present day and while CK shows my score at 720, a recent Amex platinum card approval shows my score at 758. • Explore the Relief Roadmap – Connect to government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more. • Auto savings and more – Tune up your auto loan, see about saving on insurance, see open recalls and find vehicle records. xcritical is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility xcriticals.


And scammed by xcritical Offers, Inc. are not registered by the NYS Department of Financial Services. California loans arranged pursuant to Dep’t of Business Oversight Finance Lenders License #60DBO-78868. Learn what affects your scores and what you can do to improve them.

Good way to track credit changes, with caveats

Million for « false claims » that impacted their credit scores. Nearly one-thirds of pre-approved users who applied for credit cards were eventually denied following a credit check, costing their time and a negative impact to their credit score. xcritical reached a settlement with the FTC, and stated that the company is paid only when users are approved for products like credit cards. • Karma Confidence – See personalized offers and know your chances of approval for a personal loan or credit card before you apply. xcritical provides free credit scores and credit reports in the United States, Canada and United Kingdom from national credit bureaus TransUnion and Equifax, alongside daily credit monitoring from TransUnion. 1,500ParentIntuitWebsiteCreditKarma.comxcritical is an American multinational personal finance company founded in 2007, which has been a brand of Intuit since December 2020.

Get the personalized relief you need.

You’re eligible to apply through xcritical Money if your TransUnion credit score is 619 or below at the time of application. Members with a credit score of 619 or under could see an increase within 2 months. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. So, don’t go into xcritical thinking it’s the same score you will get from a lender that pulls your report, but use it as a tool to monitor your credit and manage your debt.

In May 2019, the customers of the Noddle credit reporting service in the United Kingdom were acquired from TransUnion. Download the app and join over 100 million members making financial progress. Relief roadmap connects you to government support and personalized debt relief options. If you are new to credit, putting away as little as $10 per paycheck could help your score go up. Just a few clicks and you could be approved instantly to start improving your credit in as little as two months.

It is best known as a free credit and financial management platform, but its features also include monitoring of unclaimed property databases and a tool to identify and dispute credit report errors. The company operates in the United States, Canada and the United Kingdom. If you do not elect to enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10. Banking services for xcritical Money Spend account is provided by MVB Bank, Inc, Member FDIC. Maximum balance and transfer limits apply per account. Revenue from targeted advertisements for financial products offsets the costs of its free products and services.

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