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FinanceBuzz collected Google Trends search data on 48 different terms relating to various investing apps and platforms on May 11, 2021. The time frame for the collected data was set to "Past 12 months." In the event of ties, terms were compared head-to-head within Google Trends to determine a winner. FinanceBuzz is not an investment advisor.

Financebuzz bbb reviews. Do you agree with FinanceBuzz's 4-star rating? Check out what 199 people have written so far, and share your own experience. | Read 21-40 Reviews out of 187

If a seller isn't forthcoming about the vehicle's history, it can be a red flag that the car hasn't been properly cared for. Ask for maintenance and repair records, including the last time the car underwent basic maintenance, such as an oil change or tire rotation. Regular maintenance can be a good sign that the car has been cared for.

Accredited Debt Relief has a score of 4.9 on Trustpilot, with over 3,700 excellent customer reviews. Users often speak of the company's professionalism, thoroughness, and responsiveness to customers. They …Motion Auto Insurance is an auto insurance startup founded in 2018 and licensed in Utah. Motion Auto policies are sold by Novo Insurance and underwritten by 21st Century Premier Insurance Company, which is a Farmers company. The Farmers Group has an A (excellent) financial strength rating with AM Best.4 Jan 2024 ... ... FinanceBuzz.com, Insurist.com, and Forbes. ... Rating. A.M. Best: A++. S&P Rating: AA. Moody's Rating: Aa2 ... Bad reviews by the BBB and on Yelp.According to a 2021 study, 60% of respondents have forgotten about at least one of their recurring payments. Enter Hiatus App, a financial app that keeps track of your monthly bills and subscription services. It could negotiate better rates and cancel services and subscriptions you no longer use on your behalf.The Gold Alliance company has a 4.97 out of 5-star rating from customer reviews with the BBB and a 4.7 out of 5-star rating from Trustpilot. It is the highest-ranked gold company and the third fastest-growing company in Nevada, according to Inc. Magazine’s 2022 Inc. 5000 list.Below you can compare how much drivers in each state pay for car insurance per mile driven. We collected data on the average insurance premiums and average miles driven to calculate insurance cost per mile. 4. Drivers in New York and Michigan pay the most in car insurance premiums per mile – A driver can expect to pay $0.31 per mile on …

E*TRADE pros. The E*TRADE platform offers low transaction costs, including free trades (in some cases) for stocks, ETFs, and options. Account minimums are as low as $0, in some cases. The site offers an array of educational resources that can be helpful for beginner and experienced investors alike.SoFi Checking and Savings Account Benefits. Earn up to a $300 bonus and up to 4.60% APY 1 on your money. No account, overdraft, or monthly fees. Get your paycheck up to two days early 2. Savings of up to 20% or more on select trips booked through SoFi Travel. Access additional FDIC insurance up to $2 million.The Bank of America Platinum Plus Mastercard has an APR of 16.49% - 27.49% Variable. But you can take advantage of 0% intro APR for 7 billing cycles on purchases, (then 16.49% - 27.49% Variable) as a new cardholder. Note that this card doesn't typically have an intro APR offer for balance transfers.The TD Clear Visa Platinum Credit Cards have $0 annual fees. Instead pay a $10 Monthly Membership Fee ($120 annualized) with a $1,000 credit limit or a $20 Monthly Membership Fee ($240 annualized) with a $2,000 credit limit. The TD Clear Visa Platinum Credit Cards have 0% APR on purchases.Apr 22, 2024 · The Prosper® Card is a good option for building your credit if you have a bad or fair credit score. It has a $39 annual fee that can be waived for the first year and doesn’t require a security deposit. But if you qualify, there are better credit card options available that offer rewards and don’t have annual fees. Working four days a week can offer more flexibility for employees and a better work-life balance. A six-month trial run last year in the UK by 61 companies found that four-day workweeks didn't negatively impact revenue. In some cases, the money flow actually increased. In addition, employees reported being happier and less stressed when ...The Credit People is a credit repair company. It was founded in 2001 and is based in Utah. The company works to provide hope to those in bad credit situations and share how better credit is a possibility. Since its inception, the company has reportedly helped more than 100,000 people improve their credit scores.

Margin trading is risky since you need to pay interest to borrow the money. Webull's interest rates for margin start at 6.99% for a $0 to $25,000 loan and decrease to 3.99% for a $3,000,000 or higher loan (as of June 9, 2021.) Trading on margin could potentially be profitable if your gains exceed the interest costs.The company says that it provides auto insurance rates along with quotes for pet, home, and life insurance. It is headquartered in Miami Beach, Florida. There isn’t much information available regarding when Otto Insurance Group was founded. According to Crunchbase, the company’s owner and CEO is Joshua Keller.Third place: Gets $15. This means that in some situations, you may lose money even if you're one of the top three winners. The possible three wins here are: First place: Make a net win of $37 after deducting the $30 entry fee you paid. Second place: Make a net bonus cash of $8 after accounting for the $30 fee.Up to $250,000. The Bank of America Advantage Plus Banking is a step up from Bank of America Advantage SafeBalance Banking in terms of benefits. For example, you can purchase paper checks. But it also has higher requirements — namely, a higher minimum deposit requirement and a higher monthly fee.Certain money apps could also help you find a better price on car insurance. Trim, for example, can negotiate bills on your behalf or alert you to opportunities to save — such as pointing you to providers that might offer you a better deal on car insurance. Save up to $577 1 on Average on Car Insurance.As a consumer, you have a wide array of options for companies to use when you purchase goods and services. If you have a problem with a company not performing as it should, you hav...

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The company is really doing an awesome job. The company is really doing an awesome job at promoting the several ways us consumers are able to save, make and advertise monetary avenue's. Date of experience: January 31, 2023. Useful. Share. Reply from FinanceBuzz.The Citi Diamond Preferred is a great option if you have existing credit card debt and need a solution for paying it off over time without incurring interest charges. It's a balance transfer credit card that offers a 0% intro APR period of 21 months (then 18.24% - 28.99% (Variable)). It also offers a 0% intro APR for 12 months on purchases ...Key takeaways. We don’t recommend Ponce Bank because its APY rates on interest-bearing accounts aren’t the most competitive. For example, the Ponce Bank Savings account offers 0.10% (as of Jan. 24, 2024) APY 1, while the Direct Interest Checking account offers 0.05% (as of Jan. 24, 2024) APY. Ponce Bank has 13 branches …Rakuten Review [2024]: How to Make Bank Just by Shopping. SAVING & SPENDING - BUDGETING & EXPENSES. Rakuten (formerly Ebates) makes it possible to earn cash back for shopping at more than 2,500 retailers. By Lindsay Frankel. Edited by Jess Ullrich. Updated April 11, 2024. Fact checked.The BBB has accredited FinanceBuzz with an A+ rating. Moreover, trusted sites such as Consumer Reports and PC Mag gave it positive reviews. Without a doubt, FinanceBuzz is legit and provides excellent advice on personal finance matters. FAQs about: Is Financebuzz Legit. Question 1: Is Financebuzz legitimate?HomeAdvisor is based in Denver, Colorado, and has been in business since 1999. It originally started out as ServiceMagic. Now, it boasts connecting more than 45 million homeowners with service professionals. It merged with Angie's List in 2017 and is now known as HomeAdvisor, powered by Angi.

The snack review results from our Buc-ee's Bud-ee taste tester are in! Here we cover the Buc-ee's store snacks that are worth the trip for your next voyage. ... The FinanceBuzz team wanted to find out which Buc-ee's snacks are worth a pit stop at the iconic Southern roadside convenience store. By Chris Lewis. Edited by Mindy Woodall.Katelyn Washington is a writer with a passion for finance and business. She put herself through business school as a single mother of three and has had pieces commissioned by national magazines. When she's not writing, she enjoys spending time with her family and editing manuscripts for indie authors.The loan amounts you can qualify for through the NerdWallet loan matching service depend on factors like your credit score, the lender you borrow from, and other factors. NerdWallet can match you with loans ranging from $2,000 to $100,000. Keep in mind that these numbers are general guidelines that NerdWallet offers.Charles Schwab is a U.S. financial institution that was initially incorporated as First Commander Corporation in 1971. The name was changed to Charles Schwab & Co., Inc. in 1973, and the first Schwab branch was opened in California in 1975. Today, many people know Charles Schwab as a discount brokerage.The Bank of America Platinum Plus Mastercard has an APR of 16.49% - 27.49% Variable. But you can take advantage of 0% intro APR for 7 billing cycles on purchases, (then 16.49% - 27.49% Variable) as a new cardholder. Note that this card doesn’t typically have an intro APR offer for balance transfers.Jan 22, 2024 · Its $0 annual fee makes it an affordable option, and its welcome offer allows you to earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Another unique feature of this card is that it has a 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable). Hopper Review [2024]: Find Cheap Flights with the Help of AI. SAVING & SPENDING - TRAVEL. Smart algorithms with 95% accuracy keep you informed of when — and when not to — book your next flight. By Robin Kavanagh. Edited by Melinda Sineriz, ABFP™. Updated April 25, 2024. Fact checked.The minimum down payment for first-time homebuyers securing a conventional loan is 3%, but buyers must put down 20% to avoid paying for private mortgage insurance. For a $300,000 home, the amount of money you'd need to leave behind would run between $9,000 (3% down) and $60,000 (20% down).

Do you agree with FinanceBuzz's 4-star rating? Check out what 208 people have written so far, and share your own experience. | Read 41-60 Reviews out of 195

It's dedicated to responsive customer service and is able to provide an average real estate closing time of just 17 days. Typically, real estate closings take between 30-45 days. What's more, United Wholesale Mortgage offers flat closing fees of $200 ($300 in New Jersey and Colorado) and no additional attorney fees.We're on a mission to democratize personal finance. We believe that information = freedom, especially when it comes to money. Whether you're planning for retirement, working to reduce your debt, or wanting to travel more, we believe that anyone, regardless of current income, can achieve financial independence if they have the right knowledge.The Synchrony Premier World Mastercard makes sense if you want a single credit card in your wallet that works for all types of purchases. The Synchrony Premier provides an elevated rate of 2% cash back on every purchase, which is an above-average rewards rate compared with many other credit cards. And if you like to keep things …View information about who is hosting the website and the server IP address. The IP geolocation data is powered by MaxMind GeoLite DB. IP Address. 34.236.105.226. Reverse DNS. ec2-34-236-105-226.compute-1.amazonaws.com. Hosting Provider. AS14618 Amazon.com, Inc. Location.Over $55,000 paid to members daily. Earn up to $130 a month taking 4 or more surveys daily. $76 million paid out to date. 20M+ lifetime members and BBB accreditation. FinanceBuzz is searching for horror lover for hire who is brave enough to watch 13 scary movies to find out whether high-budget horror movies deliver more scares than low-budget ones.JetBlue Card. 3.9. FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Compare Credit Cards. Current Offer. 10,000 bonus points after you spend $1,000 on purchases in the first 90 days.Apr 3, 2023 · loanDepot offers multiple mortgage options and caters to a wide range of customers. Some of its mortgages are considered a higher risk, meaning loanDepot occasionally lends to homebuyers who are less creditworthy. The company’s annual report shows that the majority of its customers have credit scores over 680. Do you agree with FinanceBuzz's 4-star rating? Check out what 208 people have written so far, and share your own experience. | Read 41-60 Reviews out of 195

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FinanceBuzz collected Google Trends search data on 48 different terms relating to various investing apps and platforms on May 11, 2021. The time frame for the collected data was set to "Past 12 months." In the event of ties, terms were compared head-to-head within Google Trends to determine a winner. FinanceBuzz is not an investment advisor.The Marriott Bonvoy Boundless® Credit Card is a great, simple card to start earning valuable hotel rewards that could lead to a future of staying in hotels completely for free. Given that you can earn 3 free night awards after spending $3,000 on purchases in your first 3 months from account opening (each night valued up to 50,000 points), this ...Key takeaways. We recommend Chase Total Checking as an excellent everyday checking account if you want access to both in-person branches and highly-rated mobile apps. We like that there is no minimum opening deposit, up to $250,000 in FDIC insurance, and the opportunity to waive the monthly maintenance fee. You can waive …Over $55,000 paid to members daily. Earn up to $130 a month taking 4 or more surveys daily. $76 million paid out to date. 20M+ lifetime members and BBB accreditation. FinanceBuzz is searching for horror lover for hire who is brave enough to watch 13 scary movies to find out whether high-budget horror movies deliver more scares than low-budget ones.MyPoints is an online rewards platform that lets users earn points for shopping at over 1,900 retailers. These merchants pay MyPoints a commission for sending them sales, returning a portion of that commission to members in the form of points. MyPoints members can also earn points through several different activities, such as taking online ...Its $0 annual fee makes it an affordable option, and its welcome offer allows you to earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Another unique feature of this card is that it has a 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable).The company is really doing an awesome job. The company is really doing an awesome job at promoting the several ways us consumers are able to save, make and advertise monetary avenue's. Date of experience: 31 January 2023. Useful. Share. Reply from FinanceBuzz.Other BBVA checking account fees. Overdraft fee. $12 to $38 per transaction, plus an additional $23 for every seven-day period the account remains in overdraft of $1 or more. Stop payment fee. $25 (online banking, checks only) ACH transfers. $0. Incoming wire. $15 for domestic and international.Safeport Law is unique because you work with attorneys at a law firm who dispute errors on your credit report and negotiate with creditors. 1 It has one plan option called Credit Cleanse that costs $99.99 per month with a first work fee of $99.. It’s also accredited by the BBB, has an A- BBB rating, and has no complaints registered with the …FinanceBuzz collected Google Trends search data on 48 different terms relating to various investing apps and platforms on May 11, 2021. The time frame for the collected data was set to "Past 12 months." In the event of ties, terms were compared head-to-head within Google Trends to determine a winner. FinanceBuzz is not an investment advisor.Check out what 208 people have written so far, and share your own experience. | Read 61-80 Reviews out of 195 Do you agree with FinanceBuzz's TrustScore? Voice your … ….

Key takeaways. Almost 95% of online shoppers read reviews before making a purchase, according to a Spiegel Research Center survey.; Because reviews and user feedback are so valuable, companies will pay consumers to write reviews and take surveys. Rather than working with a company directly, you can find most opportunities …Facet fees top out at $8,000 per year, depending on which services members access. In general, Facet could potentially be ideal for those with a net worth of at least $70,000. It could also be a good option for those anticipating or going through major life milestones, such as having a baby or saving for college.The Affirm savings account has a 4.35% (as of Jan. 23, 2024) APY. 5 While this is a competitive rate, there are higher APYs available. We don't love that there is no ATM access with the Affirm savings account. To withdraw money from your Affirm savings account, you must transfer the money to an external bank account.Katelyn Washington is a writer with a passion for finance and business. She put herself through business school as a single mother of three and has had pieces commissioned by national magazines. When she's not writing, she enjoys spending time with her family and editing manuscripts for indie authors.Betterment offers financial advice packages where you can get personalized financial planning advice. You can review your family's financial situation with a CFP and get professional guidance on where you are and your goals. It can be well worth the $299+ fee to check in about college planning or retirement savings.If you're loyal to Marriott hotels, the Marriott Bonvoy Boundless® Credit Card may be a better option. While it has a $95 annual fee, new cardholders can also earn 3 free night awards after spending $3,000 on purchases in your first 3 months from account opening (each night valued up to 50,000 points).The Bank of America Platinum Plus Mastercard has an APR of 16.49% - 27.49% Variable. But you can take advantage of 0% intro APR for 7 billing cycles on purchases, (then 16.49% - 27.49% Variable) as a new cardholder. Note that this card doesn’t typically have an intro APR offer for balance transfers.The Bank of America Platinum Plus Mastercard has an APR of 16.49% - 27.49% Variable. But you can take advantage of 0% intro APR for 7 billing cycles on purchases, (then 16.49% - 27.49% Variable) as a new cardholder. Note that this card doesn’t typically have an intro APR offer for balance transfers.As a consumer, it’s important to do your due diligence before doing business with any company. One way to ensure you’re working with a reputable organization is by checking their B... Financebuzz bbb reviews, Hopper Review [2024]: Find Cheap Flights with the Help of AI. SAVING & SPENDING - TRAVEL. Smart algorithms with 95% accuracy keep you informed of when — and when not to — book your next flight. By Robin Kavanagh. Edited by Melinda Sineriz, ABFP™. Updated April 25, 2024. Fact checked., Key takeaways. We recommend Testerup since it can help you earn real money by playing games, taking surveys, and testing products. We like that it's free and easy to use. We like that some tasks may pay as much as $120 per offer. However, most offer much less and may come with catches like in-app purchase requirements., Become an AARP member now. SPONSORED. 1. Get a payment extension. Some BNPL companies allow you to request a payment due date extension. For instance, you can get seven more days to pay for each purchase with Klarna. Afterpay and Sezzle also offer extensions if you contact them before your payment's original due date., The company has a 4- out of 5-star rating with the Better Business Bureau based on an average of more than 100 customer reviews. It also has an A+ BBB rating and no complaints in the database of the Consumer Financial Protection Bureau. It also has generally positive reviews on Trustpilot, with 4.6 out of 5 stars averaging from more than …, If you're loyal to Marriott hotels, the Marriott Bonvoy Boundless® Credit Card may be a better option. While it has a $95 annual fee, new cardholders can also earn 3 free night awards after spending $3,000 on purchases in your first 3 months from account opening (each night valued up to 50,000 points)., About Michelle. Michelle Smith has spent a decade writing for and about small businesses. She specializes in all things finance and has written for publications like G2 and SmallBizDaily. When she's not writing for work at her desk, you can usually find her writing for pleasure near large bodies of water., Jan 22, 2024 · Its $0 annual fee makes it an affordable option, and its welcome offer allows you to earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Another unique feature of this card is that it has a 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable). , These bank reviews can help you sort out which banks offer the products that best align with your spending habits and savings goals. Online banks offer features that traditional banks don't have, plus they often feature higher interest rates for your savings. With a little reading, you can find the best bank account for you., In today’s digital age, it is easier than ever to research and evaluate companies before making a purchasing decision. One valuable resource that consumers can rely on is the Bette..., According to the survey, the median debt burden of Freedom Debt Relief graduates decreased from $28,000 at the time of program enrollment to $3,800 45 months after enrollment. Surveyed customers' median FICO scores also continued to improve more than two years after using the company's services., Cash Giraffe. OUR VIEW. Cash Giraffe is an Android app that rewards you for trying out new games and apps. The Cash Giraffe app is free to download and use, with no hidden fees or costs. We tested it out and found that Cash Giraffe is a legit app that enables you to earn some pocket change while playing around on your phone., Up to 80% of your home's value, up to $2,000,000. Loan term. 15 and 30 years. APR. Fixed-rate, depending on credit score 6. Credit needed. Minimum credit score of 620 (or 660 for jumbo loans) Cash-out amount. Up to 75% of your home's value, up to $500,000., Sweatcoin is legit and not a scam. The app was founded in 2016, and there are more than 120 million registered users. Users have given the app mostly positive reviews, with Sweatcoin earning 4.4 out of 5 stars over more than 1.7 million reviews on the Google Play Store and 4.6 out of 5 stars in more than 318,000 reviews on the iOS app store., Chase Freedom benefits and perks. Big rewards in rotating categories: By activating the quarterly bonus categories on your card, you may be able to earn more cash back throughout the year than if you used a flat-rate cashback card, depending on your spending habits.You can earn 5% cash back in rotating bonus categories (up to $1,500 in combined purchases per quarter) and 1% cash back on all ..., Limited add-on cover options compared to other auto insurers. Our verdict: The Responsive Auto Insurance Company can be a good choice for drivers in South Florida. It offers coverage options such as liability, collision, and comprehensive coverage, with discounts available. However, it is only available in the Sunshine State, and some customers ..., Most Recent Customer Review ... The application process was very easy and I was approved in five minutes. Great service and a great time of need. Snap Finance ..., Key takeaways. We recommend Testerup since it can help you earn real money by playing games, taking surveys, and testing products. We like that it's free and easy to use. We like that some tasks may pay as much as $120 per offer. However, most offer much less and may come with catches like in-app purchase requirements., Blackout Bingo Review [2024]: Can You Win Real Money? 16 Legit Ways to Make Extra Cash 50 Legit Side Hustle Ideas for 2024 [Mega List] ... FinanceBuzz has partnered with CardRatings for our coverage of credit card products. FinanceBuzz and CardRatings may receive a commission from card issuers., Reply from FinanceBuzz. FinanceBuzz is a personal finance site that provides information to help readers become more financially independent. Our content team writes articles in a variety of finance categories: ways to earn more money, budgeting, saving, investing, and building credit., Over $55,000 paid to members daily. Earn up to $130 a month taking 4 or more surveys daily. $76 million paid out to date. 20M+ lifetime members and BBB accreditation. Dunk Shot is a mobile game that lets players shoot baskets, and as their skills improve, compete against other players for tickets or money., Best for user experience: Survey Junkie. Best for fast payouts: Branded Surveys. Best for online games: Inbox Dollars. Best for customer service: LifePoints. Best for reward variety: Ipsos iSay. Best for coupons: Swagbucks. Best for online shopping: MyPoints. In this article., Caliber Home Loans, Inc. is headquartered in Coppell, Texas, and is a nationwide lender and loan servicer operating in all 50 states. The company started in 2008 after a merger between Caliber Funding and Vericrest Financial, and is currently owned by Lone Star Funds. Caliber's CEO, Sanjiv Das, is a veteran of the financial services industry ..., On the FICO scoring range, that's a score between 300 to 669, while a good credit score is at least 670. Chase also notes that having a Chase checking or savings account with a balance of at least $250 may increase your chances of getting approved for the Chase Freedom Rise if you've never had a credit card., Key takeaways. We don’t recommend Ponce Bank because its APY rates on interest-bearing accounts aren’t the most competitive. For example, the Ponce Bank Savings account offers 0.10% (as of Jan. 24, 2024) APY 1, while the Direct Interest Checking account offers 0.05% (as of Jan. 24, 2024) APY. Ponce Bank has 13 branches …, Cryptocurrency trades have transaction fees between $0.49 and $6.29 for orders between $0.01 and $500, depending on your order amount. For orders larger than $500, the fee is 1.25% of your order. Trading cryptocurrencies on Public is offered via Bakkt Crypto, a company Public uses to access the crypto market., Jan 3, 2024 · LightStream deposits funds directly into your checking account, which gives you a leg up as a buyer. Being a cash buyer can give you more power to negotiate a better deal, not to mention save you time in the entire car-buying process. Loan amount. $5,000 - $100,000. Loan term. , The best personal loans through Credible are available from top online lenders like Avant, Best Egg, LendingClub, and LightStream, and come in amounts from $600 to $200,000. Personal loan APR rates range from 6.99%-35.99% (as of April 23, 2024), and you'll be able to compare offers you qualify for in just two minutes., 4 days ago · Keeper has an A+ rating using the BBB proprietary grading system and 4.7 out of 5 stars. Complaints by customers unhappy with the service left a negative review of the actual tax filing process. Based on that feedback, you might choose to use the app to track and monitor your working expenses and go with another tax filing service for the ... , After an overhaul in October 2018, the American Express® Gold Card changed from being an average travel card to becoming a dining rewards powerhouse. The revamped earning structure boasts generous rewards rates and many competitive travel benefits. With a slew of perks and a sleek metal design, it's easy to get caught up in the excitement ..., Apr 22, 2024 · The Prosper® Card is a good option for building your credit if you have a bad or fair credit score. It has a $39 annual fee that can be waived for the first year and doesn’t require a security deposit. But if you qualify, there are better credit card options available that offer rewards and don’t have annual fees. , Check out what 208 people have written so far, and share your own experience. | Read 61-80 Reviews out of 195 Do you agree with FinanceBuzz's TrustScore? Voice your …, Community Tax LLC is a full-service tax company based in Chicago, Illinois. It provides services to both individuals and to small businesses, and it describes itself as being "client-centered" and "solutions-oriented." The company was founded in 2010 by attorneys Jacob Dayan, Esq. and Adam Dayan Esq., and Nick Charveron, an enrolled agent with ..., Jan 3, 2024 · Better.com has garnered a Better Business Bureau rating of 4.1 out of 5 stars, and of 1,187 TrustPilot reviews, Better received 3.9 stars. Some of the bad ratings focus on Garg's firing of 900 employees over Zoom right before the 2021 winter holidays and are unrelated to the quality of the company's actual services.