Mint Credit Logo
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19 User Reviews


Overall Score is owned and operated by Intuit, placing it in the same family of companies as TurboTax and QuickBooks. 

In addition to its well-known personal finance tools, Mint offers Mint Credit Score, a basic free credit monitoring service, along with the more robust Mint Credit Monitor, which costs $16.99 per month. 

Keep reading to see how Mint's credit monitoring services stack up to the competition and to read verified customer reviews.

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The Good

  • Integrated with
  • Free version available
  • Value
  • Mobile app

Integrated with

Mint is an immensely popular free online personal finance tool that has over 10 million users. The integration of Mint Credit Score with the rest of Mint's tools make it an extremely convenient option for those millions of people already using Mint on a regular basis to manage their personal finances. 

This integration isn't limited to just the website, either. One can quickly and easily access their Mint Credit Score from within the mobile Mint app on their Apple, Amazon, Windows, and Android devices as well, reducing the number of apps and accounts users need to keep track of to manage all aspects of their personal finances.

Free Version Available

We love it when companies make free versions of their core product available for customers to try out on their own, especially when a credit card is not required to do so. 

Mint offers a free credit score monitoring service, which includes access to a quarterly credit report from Equifax, along with an Equifax Risk Score based on the contents of that report.

Although the free credit monitoring service only monitors one credit bureau, it gives customers who are curious about their credit a reasonable starting point at zero cost. If users like what they see, it's a simple task to upgrade to the more robust Mint Credit Monitor.


Mint Credit Monitor is powered by Equifax, one of the three major credit bureaus, and its core credit monitoring features are very similar to the bureau's monitoring services, except that it has fewer identity protection features and more credit features. 

For $16.99 a month, Mint Credit Monitor provides users with credit reports from all three credit reporting agencies (updated monthly), along with an Equifax Risk score for each of those reports, ongoing monitoring of all three credit bureaus with alerts, and monthly identity theft monitoring.

Mobile App

Mint account members can obtain a dynamic and free mobile app for all major mobile platforms-Windows, Apple and Android mobile devices are all compatible and one can monitor their credit from any internet-connected device.

Fraud alerts are available via push notifications should there be any suspicious activity or potentially fraudulent activity on your credit. 

As mentioned earlier, Mint Credit Score is accessible from inside the normal mint personal finance app, so no separate app is required to obtain credit information and monitoring.


The Bad

  • Free service limitations
  • Scoring model
  • Refresh rate
  • Security issues

Free Service Limitations

As much as we applaud no-payment services, the simple fact is that Mint's free credit score monitoring option is not especially remarkable compared to other free options available in the credit monitoring industry. 

Most of the free services available provide monthly, if not weekly credit reports from one, or in some cases, two credit bureaus. 

Simply put, if you're an existing Mint user looking for some idea of your credit health, Mint Credit Score isn't necessarily a bad way to go. But if you're more serious about tracking your credit, there are more comprehensive free options available from both Credit Karma and Credit Sesame which provide more frequent reports from more bureaus or greater functionality at no cost.

Scoring Model

Both Mint Credit Score and Mint Credit Monitor provide users with credit scores based on the Equifax Risk Score. 

While the Equifax score may give customers a rough idea of their credit health, it is not considered an industry-standard credit score that a lender would actually use. 

In other words, the credit scores a user sees in Mint Credit Monitor is not the same as the FICO scores most lenders will actually use in making lending decisions. 

There have been many complaints over the years of customers either over- or under-estimating their creditworthiness after mistaking an Equifax Risk Score for a FICO credit score.

Refresh Rate

Unfortunately, Mint only updates credit scores and reports once per month. A lot can happen to an individual's credit in a month, so it's frustrating that customers cannot view their credit information in real time.

Security Issues

In April 2015, a potential class-action lawsuit was filed in San Francisco against Intuit (Mint's parent company). The company was accused of failing to properly secure its customer's personal information and facilitating identity theft. The suit was filed by two women who were victims of tax refund fraud after filing returns with Intuit TurboTax. 

While Mint Credit Monitor has not been specifically named in the recent security breaches which have plagued TurboTax users, being that both entities are operated by the same parent company and integrate with each other, one may wonder at how secure their data really is when using Mint's services.


The Bottom Line

Mint Credit offers both free and paid credit monitoring services that each provide value in their own ways. 

The company also provides a slick mobile app and integrates its consumer credit services well with its other services, making it a decent option for existing Mint account users. 

However, consumers looking for FICO credit scores or frequent refreshes will probably have better luck with a different company, as Mint Credit does not offer either of these features.

View Best Credit Monitoring Companies

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19 Reviews

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Frances Harmatuk Baltimore, MD

I have been using Mint for a while and love being able to have one place to see all my expenses and to see my credit card action each month

2 months ago

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Danny Bowen Eagle Mountain, UT

I use Mint for all my budgeting. Allows you to view all your financial accounts in real-time from one hub. Lots of reporting options. No subscription required.

3 months ago

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Amy McCarlie Orem, UT

Love this App! Its really easy to use! I was getting confused about where all my money was going and this has helped so much

3 months ago

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Patrick Curry Salt Lake City, UT

This is a great service. We use this to keep track of our bills and our budget. Love the tools that it comes with, has helped us a lot to keep a better budget and stay on track

7 months ago

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Mason Allen Provo, UT

You need a Mint account to access this feature, but after linking all the required money services you can easily check your credit score for free.

3 months ago

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Natalie Brown Boulder, CO

Mint Credit is amazing and I highly recommend it! It is very user friendly and keeps very up to date track on my credit score (weekly track!). It also gives little suggestions on how to improve your credit score which can sometimes be helpful.

1 year ago

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Aliza Henline Provo, UT

I have loved having this app on my phone! I like how it tells me (in pretty passive aggressive terms) when I am spending too much money. But what I value the most is the real time updates when my credit score changes! Super easy to use and super helpful.

1 year ago

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Dre35 West Valley City, UT

We enjoy using Mint to keep track of our accounts, and credit. It also helps us know when bills are due, so that we can stay in good credit standings.

8 months ago

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Casey Cannon San Francisco, CA

I have been trying to sign up for Mint Credit Monitor for a week now. First I received an error that my credit card # was incorrect (false). Then I attempted to contact their customer service through their messaging system. That person was of no help and insisted I call the number listed on the site. I call the number on the site a few days later and receive an error, that I'm not calling during business hours which are Mon-Fri 10AM-7PM CST, even though I called at 1pm CST on a Monday? I try to contact the messaging system again and the messenger window does not load, THEN attempt to e-mail the provided "[email protected]" and receive an error saying this e-mail address does not exist. This is infuriating, I've never in my life felt so frustrated by the sheer incompetence of a company.

4 years ago

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Hailey Moody Austin, TX

I typically check my credit score around tax season and always go through Mint. Their interface is straight forward and breaks down everything in a way where you do not have to dig, making this process near effortless.

1 year ago

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Shannon B Salt Lake City, UT

I love my Mint account! I'm new to budgeting, and it makes it so easy to see all my accounts and transactions at a glance. Also love that you can check what your credit score is every few weeks.

1 year ago

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Chaveli Tallahassee, FL

Not only is it great for credit score tracking but also for budgeting and reminder of payments. I can monitor my credit without a worry

1 year ago

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Joseph K Atchison, KS

I signed up to Mint many years ago for checking my bank account and now check my credit with them. Over all good service.

3 years ago

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Miles Strother American Fork, UT

Mint is a great and simple way to monitor your credit. There's not much to it, but if you need a good idea of your credit score. It's a good add-on to TurboTax

1 year ago

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John Fugate Greenwood, IN

Identity scan did not function from May to September; no alerts when my credit was pinged. Horrible service! Just closed my account. Requested refund for May - September, but refused my request, of course!

3 years ago

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Amanda Warrendale, PA

Mint is my favorite budget spending app and I love how they send you an updated credit score every so often!

1 year ago

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Trent Provo, UT

They are easy to use and convenient to add all my accounts to and keep up with everything. Never had a problem with them.

3 years ago

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Seth Managua, MN

They are a great app! It’s free and gives you great feedback. I haven’t had any sinking problems either.

1 year ago

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Mohsen White River Junction, VT

poorly built website. Very inaccurate scores. Limited information on score factors. No refunds.

3 years ago

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