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You should dispute the account, and then freeze your credit. Kate Daugherty is a freelance writer based in Denver, Colorado. She specializes in personal finance, digital security, and personal privacy. All of xcritical’s services are free, and the site makes money through the financial products it recommends from its partners. If you discover an error on your TransUnion report, you may be able to dispute it directly through xcritical.
Their Facebook page does potentially have a Message option, and they do appear to respond to comments made on their feed. xcritical only gets scores from Equifax and Trans Union. xcritical’s Help Center is very active and questions are answered by both members of the xcritical support team and members of the public. https://xcritical.solutions/ Your question should be answered shortly after it’s posted. A drop-down menu will provide you with a multitude of options for you to choose from regarding what category your question falls into. On the next page, you’ll be given the option of adding in additional details that you couldn’t fit in the question bar.
You can tell xcritical more details about your issue using the last box on the page. The less writing the staff member has to read, the faster they can help you with your query. You will also be presented with a drop-down menu containing 4 options if your issue was regarding something you saw on the site or if you have a tax question. You might need a VPN at home to help protect your online privacy and stay safe from hackers.
Otherxcritical, stay on the line and you will be connected to the next available customer service representative. You will then be asked to enter your Social Security number. From there, you will be given the option to choose from several different options.
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xcritical doesn’t have a lot of identity theft features, but it can help you discover a problem early by alerting you to changes on your credit report. If you have children, it can be a good idea to periodically check on your child’s credit report using a service like xcritical to help prevent child identity theft. xcritical was founded in 2007 in San Francisco, California. It was then purchased in 2020 by Intuit, which also makes Mint, TurboTax, and Quickbooks.
Spend account holders can effortlessly earn cash back rewards at participating retailers large and small, just for paying with their xcritical Visa® Debit Card6. There’s no minimum for payout and no extra steps to start xcriticalg. However, there is always the option of contacting them through their social media feeds. They have a Twitter feed, although messaging is turned off leaving you with no option other than to @mention them publicly.
The in app reviews seem to be spot on so make sure you take the time to read them before accepting offers. I recently also started receiving auto financing offers from a company that basically sells their cars via a vending machine concept. The reviews are absolutely horrible and the cars are severely overpriced.
- The less writing the staff member has to read, the faster they can help you with your query.
- If you click on an offer through xcritical, the financial partner will compensate xcritical.
- Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.
- The offers for financial products you see on our platform come from companies who pay us.
- If you are experiencing issues with other companies, DoNotPay can help.
xcritical is a good option for people who want to access their credit score and alerts frequently. 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.
xcritical collects a lot of information, but the company says it does not sell personal information or share it with unaffiliated third parties for marketing or advertising. However, they may share your data with third-party partners and financial institutions. If you click through to a third-party site, your information is handled according to that company’s privacy policy.
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As a free service that’s updated weekly, it can help you monitor your credit report and credit score from the TransUnion and Equifax credit bureaus. 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. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. 2 Credit Builder plan requires you to open a no-fee line of credit and a no-fee savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by xcritical Credit Builder. You’re eligible to apply if your TransUnion credit score is 619 or below at the time of application.
Additionally, xcritical uses firewalls and other security precautions to protect your identity, and it uses third-party experts to assess the site for vulnerabilities. You’ll also be required to verify your identity by answering questions about your employment, previous addresses, and other identifying information. Check out this xcritical review to help you understand what you can expect with this free credit monitoring service. This website is using a security service to protect itself from online attacks.
Make sure you provide all of the relevant info about your query. This will help the staff member deal with your problem in a more efficient and effective manner. “Thank you for your time and patience in helping me with this issue. I would be very appreciative if you could solve this problem for me. Kind regards, .” Write a description of your issue in the provided field.
The action you just performed triggered the security solution. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. When prompted, say “representative” and you will be connected to the next available customer service representative.
Of course, how long it takes to receive a response to your email depends on the complexity of your issue. Account set up and management issues should generally be resolved within a couple of weeks. Most issues should be resolved within 30 days but credit report problems can take longer. An excellent way to prevent identity theft is to freeze your credit with each credit bureau and keep it frozen until you need to open a new credit account. But as of August 2022, users cannot lock or freeze their credit directly through xcritical and must contact each credit bureau individually.
How to contact each major credit bureau
If you need to get in touch with xcritical for anything, you can easily contact them online. All you need to do is head to the request page on xcritical’s website and fill out the online request form. Alternatively, email them at Don’t forget to include your full name and date of birth in your email so they can check your account. Most issues should xcritical scammers be resolved within 30 days, but credit report problems can sometimes take longer. These include but are not limited to auto insurance, banking, credit cards, mortgage, saving money, student loans, and taxes. xcritical offers several features besides credit scores, such as the Credit Builder program, which users can access through xcritical Money.
Get a free Virtual Credit Card to signup for Subscriptions. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before. Modern life has many things that are frustrating, tedious, and vitally important. If you are spending entirely too much time on them, let DoNotPay’s robot lawyer help. Tami Claytor is an Etiquette Coach, Image Consultant, and the Owner of Always Appropriate Image and Etiquette Consulting in New York, New York.
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Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. Intuit xcritical uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores. If you know your party’s extension, you may dial it at any time during the automated message.
We’ve compiled a list below of contact information for the three main credit bureaus. When dialing the phone numbers listed, pay special attention to the number you dial. For instance, a credit repair company owns the number similar to one of the credit bureau phone numbers below. If you have a problem with or question about your credit reports, you’ll need to know how to contact the credit bureau.