They acquire credit reports and credit scores from one or more of the three major consumer credit bureaus and provide the same to their customers. You will usually see either a FICO Score or VantageScore, since those are the two most popular scores the bureaus resell with their credit reports. It’s pretty accurate.
What is an excellent FICO credit score?
800
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Does Mint show FICO score?
The credit score that Mint users can access for free isn’t a standard FICO score. Instead, it’s based on a calculation model developed by Equifax that draws on the information found in your Equifax credit profile. Equifax scores range from 280 to 850, so that would put you in the “Good” range.
What credit reporting agency does Mint use?
TransUnion
Aside from obtaining a free credit score from one of the three national credit bureaus, you can also gain access to your credit report for free through other means, such as through Mint. At Mint, we team up with TransUnion to provide free credit scores.
Is Mint more accurate than Credit Karma?
Alerts. Mint is hands-down more adept with alerts than Credit Karma. Credit Karma has email alerts that tell you when your credit report changes, but it doesn’t have any mobile alerts for other financial transactions.
What is an excellent credit score for TransUnion?
The credit score you see from TransUnion is based on the VantageScore® 3.0 model. Scores in this model range from 300 to 850. A good score with TransUnion and VantageScore 3.0 is between 661 and 720.
Is my FICO score higher than Credit Karma?
Your FICO Score May Differ Your score should be within the same range as everywhere else, including the major credit bureaus and its many competitors. On the customer review site ConsumerAffairs.com, some people have reported that their Credit Karma score is quite a bit higher than their FICO scores.
