Why is my Mint credit score so low?

Credit Karma: 789

Discover Card: 797

Mint: 656

It dropped 124 points last month for no apparent reason in Mint. The only thing I notice is that it’s missing my mortgage refinance from October that Credit Karma is showing so it’s in my TransUnion data. 


Hi Minter,

With the switch to TransUnion, we’ve begun using the VantageScore 3.0 credit score, which is the most commonly used credit scoring model you’ll see from major credit score providers. Before that, we were using a credit scoring model developed specifically by Equifax, which calculated your credit score a little differently.

There are a lot of reasons why your score might look different on other apps. The two main reasons are:

  • The date you refresh your credit score affects what score you see, especially if your credit activity changes throughout the month. If you refresh your score in different apps on different dates, you’ll likely see a different score in each app.
  • Other apps could be using a different credit scoring model, even if they’re getting the score from TransUnion. TransUnion offers different types of credit scores to different credit score providers, which are all calculated slightly differently.

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


Mint Aga

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