Zendough?

[Woolfman]

i dont see mint and zendough even being the same type of service. It looks like zendough is just another credit monitoring service.  I wish mint would adopt a pay service as i would pay them to get the accounts working that i can't add. (alliant cc, Flagstar bank which is my mortgage, UMB cards just to name a few)

[Anonymous]

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@Woolfman wrote:

i dont see mint and zendough even being the same type of service. It looks like zendough is just another credit monitoring service.  I wish mint would adopt a pay service as i would pay them to get the accounts working that i can't add. (alliant cc, Flagstar bank which is my mortgage, UMB cards just to name a few)

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Mint and Zendough are not the same type of service.

Also, IMO, Mint sucks.  Too many technical problems plus they don't support UMB and Alliant cc. 

[Woolfman]

yeah i didn't think they were similar but i had to go look because of the OP asking about it and then mentioning mint. So i thought maybe i was missing something. as far as mint goes .Sure its missing some cards and accounts but hands down its the best darn iphone app i have ever downloaded. I can see most of my accounts all at one glance anytime i need to look .

[Anonymous]

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@Woolfman wrote:
yeah i didn't think they were similar but i had to go look because of the OP asking about it and then mentioning mint. So i thought maybe i was missing something. as far as mint goes .Sure its missing some cards and accounts but hands down its the best darn iphone app i have ever downloaded. I can see most of my accounts all at one glance anytime i need to look .

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Almost every time I log in there is some error that requires me to re-enter the individual account's password or something.  Too unstable.

USAA now has an account aggregator system that works better for me.

[Woolfman]

as far as i can tell Usaa's version still is missing umb, alliants cc just at first glance.

[Anonymous]

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@Woolfman wrote:

as far as i can tell Usaa's version still is missing umb, alliants cc just at first glance.

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Yes, still missing.  But at least it doesn't have problems with their internal login to my accounts all the time.

And the folks running the USAA account aggregator are honest and intelligent; those at Mint are lying morons.  Every time you ask Mint why the heck they don't add Alliant (Illinois) cc's, they have some guy in Pakistan write you and say that they do support it.  Then you point out that they don't, and then they say that they're working on it and will have it added real soon.  That's a lie. 

USAA's technical people actually told me the reason why they can't add Alliant cc's and why it will probably be a long time before they do.  Seems Alliant's cc's are serviced by a credit union thingy that isn't able to distinguish in their databases which accounts belong to Alliant for data aggregation purposes.

[haulingthescoreup]

Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

[Anonymous]

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@haulingthescoreup wrote:

Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

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Yes, dear Emerita, it does bother me.  Still, I suppose they get a lot of the same data from their monthly soft pulls.  Alliant CU also has an account aggregator function. 

On a scale of 1 to 100, I trust Allliant about 95% and USAA about 93%.  Any other bank is just about SOL on the trust factor.

[vanillabean]

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@haulingthescoreup wrote:

Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

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The bank can see each individual transaction of every card? That sounds like a really bad idea. For that price, I think I can remember multiple passwords and maintain my umbrella spreadsheet.

I also don't like bank billpay; creates too much dependence. I talked with a fellow the other day about refinancing elsewhere; he wanted to, but hesitated; I suspect he has a loan with the bank, who may use it as leverage.

[Anonymous]

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@Anonymous-own-fico wrote:

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@haulingthescoreup wrote:

Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

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The bank can see each individual transaction of every card? That sounds like a really bad idea. For that price, I think I can remember multiple passwords and maintain my umbrella spreadsheet.

I also don't like bank billpay; creates too much dependence. I talked with a fellow the other day about refinancing elsewhere; he wanted to, but hesitated; I suspect he has a loan with the bank, who may use it as leverage.

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I'm not sure what they can or cannot see, but I cannot see any technical impediment that prohibits them from seeing all that you can. 

I agree about individual access points.