MINT CREDIT-- What and how?

[DumbUserName]

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

 

[shifter]

it's a complete FAKO.

[cv91915]

It's not possible to be partially pregnant or only kind of deceased.

[DumbUserName]

Shifter & CV9....:

 

Understood, respected, and appreciated... Thanks. What's the better method If I want monitoring with a score for a 'reasonable' fee?

[parisamour]

You can purchase FICOs at myfico.com

Also, there are several credit cards that give monthly FICO scores .

There is a Master thread about obtaining free FICO scores.

Edited September 30, 2014 by parisamour

[parisamour]

It's not possible to be partially pregnant or only kind of deceased.

I am so sick , I feel half deceased.😞

[cv91915]

Get your FICOs for free.

 

http://creditboards.com/forums/index.php?showtopic=519290

 

 

I don't rely on monitoring, so I'm the wrong guy to ask about that one.

[DumbUserName]

...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.

[ubercat]

http://creditboards.com/forums/index.php?showtopic=519290&hl=%2Bmaster+%2Bfree+%2Bfico

[archimaybe]

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.

[parisamour]

For monitoring , check out USAA-CCMP. You can monitor all three reports daily😊

[DumbUserName]

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!

[ubercat]

Why would you need to monitor EX daily?

[DumbUserName]

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

[BobWang]

If that's your concern,

 

freeze your credit reports.

[ubercat]

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.

[BobWang]

You're one to talk.

[DumbUserName]

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.

[BobWang]

No it doesn't,

 

why take the risk,

 

end of discussion.

[ubercat]

You're one to talk.

 

Pardon?

[DumbUserName]

 

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.

[ubercat]

 

 

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.

[shifter]

Pardon?

Edited September 30, 2014 by shifter

[DumbUserName]

Ok then. Thanks for your earlier posts though. As I said, I appreciate the info, all.

[cv91915]

 

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.