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Author Topic: Mint Credit Monitoring: FICO or FAKO?  (Read 2151 times)

Offline MrsZev

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Mint Credit Monitoring: FICO or FAKO?
« on: July 28, 2014, 09:13:59 PM »
Mint.com claims to give you all 3 credit bureau reports & scores - are these FICO or FAKO scores??

https://credit.mint.com/?promoCode=MCMTABLET1
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Offline Dan

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #1 on: July 28, 2014, 09:24:14 PM »
Without even opening the link, I'm sure it's FAKO.
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Offline etech0

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #2 on: July 28, 2014, 09:42:31 PM »
How do people figure out your FAKO scores anyways?
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Offline Dan

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #3 on: July 28, 2014, 09:43:26 PM »
I can figure yours out right now.
830, 760, and 740.
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Offline etech0

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #4 on: July 28, 2014, 09:49:28 PM »
Quote from: Dan on July 28, 2014, 09:43:26 PM
I can figure yours out right now.
830, 760, and 740.
What?

Are you saying that they make it up from nothing, or is something more sinister going on?

Now I can post it here: http://forums.dansdeals.com/index.php?topic=31484.360
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Offline elit

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #5 on: July 28, 2014, 09:50:00 PM »
Quote from: Dan on July 28, 2014, 09:43:26 PM
I can figure yours out right now.
830, 760, and 740.
So fako is no indication of the real score At all?
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Offline etech0

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #6 on: July 28, 2014, 09:58:32 PM »
Quote from: Dan on July 28, 2014, 09:43:26 PM
I can figure yours out right now.
830, 760, and 740.
Just for you I was going to sign up for the trial to see what my FAKO score "really" is :).
But it seems that they don't take gift cards for payment.
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Offline ilherman

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #7 on: July 28, 2014, 10:14:23 PM »
Quote from: elit on July 28, 2014, 09:50:00 PM
So fako is no indication of the real score At all?
That's correct. Don't get me wrong, if the FACO shows 300 then the FICO wont be 800, but you get the point.
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Offline Emkay

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Re: Mint Credit Monitoring: FICO or FAKO?
« Reply #8 on: August 30, 2014, 01:36:01 PM »
mint just rolled out a free Equifax credit score every three months, still in beta.
im assuming its not fico or they would be boasting it was. according to Reddit users
 "They use a proprietary algorithm similar but not equal to your FICO".
Mine was exact same as my fico and my wifes was 1 point off.
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