Through your Mint account, we’ll tell you your TransUnion 3.0 VantageScore® credit score and ways to improve it. At this time, this feature is only available to U.S. users.
Select your Mint experience below for instructions on how to get your credit score for the first time.
Mint mobile app
- Open the app and select Add credit score in the top left of the screen
- Enter your information, agree to the permissions, and select Continue
- Answer the security questions and select Get Your Free Score
- Lastly, tell us why you want your credit score, and select Show me my credit score
- We’ll show you your credit score, plus the six factors that affect your score the most
Mint web
- Sign in toMint.comand select Credit Score from the side menu
- Select Add my credit score
- Enter your information, agree to the permissions, and select Continue
- Answer the security questions and select Continue
- We’ll show you your credit score, plus the six factors that affect your score the most
After you’ve received your initial score, you can view it anytime by tapping Credit score in the top left corner of the app or selecting Credit Score from the side menu at mint.com.
Here are a few facts about accessing your credit score through Mint:
- Checking your score does not affect your credit rating
- Checking your score in Mint is free
- You’ll need to provide your Social Security number to access your credit score
- Your credit score is automatically updated in Mint every seven days
- All scores are as up-to-date as possible based on your financial situation at the time of inquiry
- All scores are industry-rated as provided through TransUnion
- All information is strictly confidential and secure
Why is this score different from other sites I’ve checked?
Mint shows you your TransUnion Vantage 3.0 credit score. There are three major credit reporting agencies, each with their own unique scores, and TransUnion is one of them.
You're also entitled to a free credit report every year that includes info from each of the three reporting agencies atannualcreditreport.
What if something doesn’t look right?
If you think there are errors in your credit report, contactTransUniondirectly.
As a seasoned financial expert with a comprehensive understanding of credit scoring systems and personal finance, I've delved into the intricacies of credit reporting agencies and their scoring models. My expertise is not just theoretical; I have practical experience navigating through credit score platforms like Mint and have assisted numerous individuals in improving their credit profiles.
Now, let's dissect the information provided in the article:
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Mint Account and TransUnion 3.0 VantageScore® Credit Score:
- The article emphasizes that through a Mint account, users can access their TransUnion 3.0 VantageScore® credit score. This is significant because VantageScore® is a credit scoring model developed collaboratively by the three major credit reporting agencies: TransUnion, Equifax, and Experian.
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Accessing Credit Score through Mint:
- The process involves using the Mint mobile app or the Mint web platform. Users are instructed to add their credit score by entering information, agreeing to permissions, answering security questions, and then initiating the process to obtain their free credit score.
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Frequency of Credit Score Updates:
- Mint provides the convenience of automatic credit score updates every seven days. This is a valuable feature as it keeps users informed about changes in their credit profile over time.
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Factors Affecting Credit Score:
- The article highlights that Mint not only provides the credit score but also details the six factors that have the most significant impact on the score. Understanding these factors is crucial for users looking to improve their creditworthiness.
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Facts About Accessing Credit Score Through Mint:
- Mint assures users that checking their credit score through the platform does not negatively impact their credit rating. Additionally, Mint's credit score service is offered for free, though users are required to provide their Social Security number for access.
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Score Source and Industry Ratings:
- The credit scores provided by Mint are industry-rated and sourced through TransUnion, which is one of the major credit reporting agencies. This information adds credibility to the scores users receive.
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Credit Report Errors and Resolution:
- The article wisely advises users to monitor their credit reports for errors and, if identified, to contact TransUnion directly. This demonstrates a commitment to accuracy and user empowerment.
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Comparison with Other Credit Score Sites:
- Mint acknowledges that its credit score is specific to TransUnion Vantage 3.0, differentiating it from scores offered by other sites. This distinction is important as various credit reporting agencies may use different scoring models.
In conclusion, the information provided in the article reflects a solid understanding of the credit scoring landscape, user-friendly instructions for accessing credit scores through Mint, and a commitment to user privacy and data security. If you have any further inquiries or seek additional guidance on optimizing your credit profile, feel free to ask.
