this post was submitted on 08 Sep 2023
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Intuit is not your friend or ally, or anyone you want to do business with, or have an account on their many myriad of financial web sites, which they are gobbling up all the time
Any good alternatives to Credit Karma? Didn't even know Intuit owned them until the other day. :( I moved my funds from their savings account elsewhere but need a good alternative to keep tabs on my credit score.
I don't know how they stack up to credit karma since I've never used them, but personally every bank, credit card, etc. that I use seems to have their own credit score tool somewhere on their app/website.
I suspect they probably don't have quite as much data as something you're specifically paying for, they may update with different frequencies, etc. but if you just kind of want a good idea of what your credit score is and why, they're probably pretty adequate. Probably worth looking into whatever you already have before you look to throw more money at something.
Maybe nerd wallet but I'm sure they're owned by someone shady too.
You could keep using it and just ignore all the credit card ads they show you. That's how they make their money.
Seconded! I've had them suggest cards only to be rejected. If you want to find out if you're pre-qualified you're better off going to the source with sites like this:
https://www.capitalone.com/credit-cards/preapprove/
https://www.discovercard.com/application/preapproval/initial
https://web.secure.wellsfargo.com/credit-cards/yourinfo/
https://secure.bankofamerica.com/secure-offers/public/customizedOffers/
I already ignore all the offers and shit they throw at me. I literally just use it to keep tabs on my credit and all. So I guess that works for now. Thanks!
Just keep in mind, credit karma shows you Vantage scores not FICO scores. FICO scores are what lenders actually look at.
Are you my friend/ally?
No, that would be Saruman the White. He's both.
I’d love an alternative to Mint that allows automatic account syncing
You need a budget, but it's not free.
But with Intuit, you are the product, so it's only free in the sense that they get your info and you get mint in return.
YNAB had genuinely revolutionized the way I work with my money, I absolutely recommend it. That said, it's not cheap.