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MINT CREDIT-- What and how?


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I asked these questions in another forum under a certain pretense, but didn't get a reply. Instead of bumping the thread there, I will ask the direct questions here:

 

I am a subscriber to this service. Once a year, they give me my 3 credit scores; However, they have recently (past year, give/take) merged with Equifax, and thus I get my Equifax score monthly.

 

Is Mint Credit considered a FAKO, or an (at least) "partial FICO" because of their relationship with that one CRA? Anyone aware of the general accuracy?

 

Anyone have actual experiences, pro or con with Mint Credit? I don't mind them but I'm not in love, so if anyone has better monitoring services (I pay $16.99 mo) I'm all ears. Please, no gratuitous sales here; it will benefit the board if you tell us WHY you like "your" service.

 

thank you, all!

 

DUN

 

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...I can think of a 'partially pregnant' or two... regardless... Thank you parisamour, but my primary interest is monitoring, not 'technically' the score. Maybe I'm disillusioned, but I think that IF one was going to be getting monitoring, then then it does make sense to get a score, while one's at it.

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1. Get in with a bank or credit union that provides monthly FICOs for free. Examples: PSECU for EX, DCU for EQ (I believe this is EQ04, not EQ08), Barclays or Discover for TU; or

 

2. Get monitoring from MyFICO (owned by Fair Isaac) that shows you your score when monitoring events happen. It's $15 / mo for EQ only; $20 / mo for all three. So far as I know, this is the only paid monitoring service that gives you your actual FICO08 scores. Reviews of the service are... mixed.

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great; similar costs. Thank you Archimaybe. I'll check that out once my current dispute with TU comes to fruition one way or the other. Can't be any 'worse,' I imagine. And in case anyone's inclined toward Mint Credit, again, I have no real beef with them; just trying to make sure I understand my options.

 

thanks all! I genuinely appreciate your assistance! Keep the good advice & tips coming!

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If you're asking me, Its not necessarily EX; it's "anything." The long story is that I wound up working for a... you know. Among other things "fraud" was a forte of his (literally) and since I was employed by him, well, he's got my social, etc. He also didn't pay me partial wages-- almost skimming. Why stay at all? we were working hard; it was a start up; we believed in the biz with or without him... you know, the usual replies. Yeah, shame on me. I have a successful labor claim still outstanding from 2 years ago... and I can't collect because the business "failed." (Imagine that?)

I've had this service for a good while as something I can keep an eye on once a month. Recently, he's reemerged in the scene, and I want to make sure that I'm not an unknowing party to something. (SOUNDS a little like partially pregnant, doesn't it?) but when it's a practiced fraudster you're talking about... well, every little bit of scrutiny helps

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If you're asking me, Its not necessarily EX; it's "anything." The long story is that I wound up working for a... you know. Among other things "fraud" was a forte of his (literally) and since I was employed by him, well, he's got my social, etc. He also didn't pay me partial wages-- almost skimming. Why stay at all? we were working hard; it was a start up; we believed in the biz with or without him... you know, the usual replies. Yeah, shame on me. I have a successful labor claim still outstanding from 2 years ago... and I can't collect because the business "failed." (Imagine that?)

I've had this service for a good while as something I can keep an eye on once a month. Recently, he's reemerged in the scene, and I want to make sure that I'm not an unknowing party to something. (SOUNDS a little like partially pregnant, doesn't it?) but when it's a practiced fraudster you're talking about... well, every little bit of scrutiny helps

 

My BS detector is going effing wild right now.

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Believe me... I've contemplated a freeze. It's a concern, but there's nothing 'eminent.' ...and I have to think that the more time that goes by, the lesser the risk. But it's always in the background.

So, in my mind, I'm either paranoid because I freeze, or I'm paranoid because I'm still thinking about it after 2 years... I believe the golden mean lies in monitoring.

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If you're asking me, Its not necessarily EX; it's "anything." The long story is that I wound up working for a... you know. Among other things "fraud" was a forte of his (literally) and since I was employed by him, well, he's got my social, etc. He also didn't pay me partial wages-- almost skimming. Why stay at all? we were working hard; it was a start up; we believed in the biz with or without him... you know, the usual replies. Yeah, shame on me. I have a successful labor claim still outstanding from 2 years ago... and I can't collect because the business "failed." (Imagine that?)

I've had this service for a good while as something I can keep an eye on once a month. Recently, he's reemerged in the scene, and I want to make sure that I'm not an unknowing party to something. (SOUNDS a little like partially pregnant, doesn't it?) but when it's a practiced fraudster you're talking about... well, every little bit of scrutiny helps

 

My BS detector is going effing wild right now.

 

If you're a Lawyer in Jersey, PM me with details of your practice.

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If you're asking me, Its not necessarily EX; it's "anything." The long story is that I wound up working for a... you know. Among other things "fraud" was a forte of his (literally) and since I was employed by him, well, he's got my social, etc. He also didn't pay me partial wages-- almost skimming. Why stay at all? we were working hard; it was a start up; we believed in the biz with or without him... you know, the usual replies. Yeah, shame on me. I have a successful labor claim still outstanding from 2 years ago... and I can't collect because the business "failed." (Imagine that?)

I've had this service for a good while as something I can keep an eye on once a month. Recently, he's reemerged in the scene, and I want to make sure that I'm not an unknowing party to something. (SOUNDS a little like partially pregnant, doesn't it?) but when it's a practiced fraudster you're talking about... well, every little bit of scrutiny helps

 

My BS detector is going effing wild right now.

 

If you're a Lawyer in Jersey, PM me with details of your practice.

 

You're awfully glib.

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Pardon?

Someone actually did that to me at a stoplight a few years ago when I had my E500.

 

Both the driver and passenger looked pretty stoned, but regardless, they clearly needed to adjust their standards upward for the joke to be really funny.

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