Credit Score - TransUnion Update


Where do you get my score and report?

We've partnered with TransUnion, one of the nation's top credit bureaus, to get your credit score.


What's going to change with the new service?

  • We're switching to the VantageScore 3.0 credit score. It ranges from 300-850 and includes an explanation of how your score was calculated. This is the biggest change you'll notice.
  • You may also receive alerts from Mint that are more specific to changes in your credit factors.


Will my credit score be impacted by transitioning to TransUnion?

Your credit score will not be impacted by this transition. This type of request is what’s called a "soft" inquiry and is not visible to potential lenders and has no impact on your score.


Why did my score change?

There are often differences in scores among the credit bureaus because they calculate your score in different ways.


Something isn't right on my score. What do I do?

If you think something is wrong on your report, you can file a dispute here.


What is VantageScore® 3.0?

The VantageScore 3.0 credit score was developed by the three national credit bureaus—TransUnion, Equifax & Experian. VantageScore 3.0 can be helpful because it smooths out credit score differences across the 3 national bureaus. That means any differences between a consumer’s bureau scores are based on differences in credit data, not on different scoring formulas. VantageScore 3.0 uses a common score range of 300-850 with a letter grade and ranking, which helps customers understand their credit picture overall. Higher scores represent a lower likelihood of risk and vice versa. There are other credit scores out there, such as the TransUnion New Account Model, which is based on a TransUnion credit file and TransUnion’s scoring formula. Your credit score may have a different number if the model pulled was different.