this post was submitted on 02 Nov 2023
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To those who have already switched (whether to Credit Karma or another service): What are you using and why do you like it?
I've used [email protected] for a while and love it. It's helped me get out and stay out of debt for 8 years now.
Ew subscription budgeting.
Anyone thinking of looking into this ^ it's a subscription product. Saved you a click.
Yes, good services do tend to cost money. Been worth every penny in my experience
Paying for software is fine. Paying way more in perpetuity because fuck you is trash.
Being condescending is even more trash.
And it’s worth it. It will save you more than you pay for it
I switched before this because I wanted to keep an eye on my credit score. Credit Karma gives me both scores and with more detail than I was getting from Mint.
Does credit karma still at least post transactions? Can't check myself until I get home from work.
No. I can’t see how I spend my money on there unfortunately. It’s also big on advertising like “you should get another credit card. Here’s some preapproved offers!”
But Tbf, I barely notice the lack because Mint could never get my transactions right anyway and was constantly disconnecting accounts.
I'd recommend avoiding Credit Karma. It was great until it was bought by Intuit a couple of years ago. I don't know that it's changed a ton yet, but Intuit, so if it hasn't enjoy that while it lasts I guess.
I guess it depends on what you're using Mint for, but I've been getting a lot of use out of Empower (formerly Personal Capital) for tracking all my accounts in one place. No subscription or anything, just some pressure, sometimes including phone calls, to use their financial advisor services.
I've had an account with Credit Karma for ages and I'm not sure what service they offer that would be comparable, but they were bought by Intuit a few years ago, so I'd find it hard to recommend them for much anymore.