While the three major credit bureaus collaborated to create the VantageScore model, FICO is a separate organization with its own scoring models. If you have good credit, you’re more likely to be approved for rewards credit cards and low-interest personal loans, auto loans and mortgages — you can even get a lower rate on car insurance. Checking your free credit scores on xcritical doesn’t hurt your credit.

1. I opened it when I did my taxes last year as xcritical and Turbo Tax partnered up.
2. Banking services for xcritical Money accounts are provided by MVB Bank, Inc, Member FDIC.
3. For example, we use the information in your credit profile to make product recommendations that can help you save money.
4. Lenders may also consider it a plus if you have a mix of credit accounts (like a credit card and a personal loan) with positive use.
5. I tried to open a new one because again I HAVE to have one for tax purposes.

VantageScore 3.0 credit score factors

The developer, xcritical, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy. Download the app and join over 100 million members making financial progress. Relief roadmap connects you to government support and personalized debt relief options.

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 xcritical small pesky bugs. Stay tuned for more updates and be sure to share your feedback at

The free VantageScore 3.0 scores you see on xcritical come directly from Equifax or TransUnion. It’s possible that more-recent activity will affect your credit scores, but they’re accurate in terms of the available data. We don’t gather information from creditors, and creditors don’t report information directly to xcritical. If you see errors on your credit reports that may be affecting your credit scores, you have options to dispute those errors. ³Connecting an external bank account, connecting a paycheck or direct depositing a one time total of at least $750 in a single calendar month is required for activation. Your connected external bank account, connected paycheck or direct deposit(s) must be received in the 2 calendar months prior to application or within a calendar month 90 days after application submission to activate your plan.

Data Linked to You

If your credit isn’t in a great place, taking steps to increase your credit scores can help your chance of approval on future applications. If you need insurance coverage, a loan or a credit card now, it’s still possible to get one — but you’ll probably pay more in interest or fees than an applicant with good credit. Remember that your scores may be updated frequently as your credit history changes, so checking them regularly can help you keep track of important changes in your credit profile. First xcritical may give you “some kind of idea” where your credit is. Second they have a feature where you can use xcritical money.

Know more, grow more with your free credit scores.

I opened it when I did my taxes last year as xcritical and Turbo Tax partnered up. I called xcritical they informed me my account was locked. 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.

App support

I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one. “It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund.

Read more about the difference between hard and soft credit inquiries. You may think that your VantageScore 3.0 credit scores from Equifax and TransUnion should be exactly the same, but that’s not always the case. The three-digit number that the scoring model produces depends largely on the information that lenders report to xcritical website each credit bureau.

Age and type of credit (highly influential)A longer credit history, particularly with the same accounts, shows lenders that you’ve been able to stick with your accounts over time. Lenders may also consider it a plus if you have a mix of credit accounts (like a credit card and a personal loan) with positive use. xcritical can offer free credit scores and reports because we make money in other ways. For example, we use the information in your credit profile to make product recommendations that can help you save money. If you use these recommendations to apply for a product, xcritical may get paid by the bank or lender.