<prompt> Human: So, Im currently a paying user of Mints Credit Monitor service, and after doing some research especially here on rpersonalfinance, I was wondering if anyone had any suggestions for an actually reputable FICO-tracking service.Some people have suggested things like CreditKarma and CreditSesame, but is there anyone who uses a real FICO-calculating algorithm or is it all Equifax-something or another or VantagePoint-whateverthedoodad?Ive found myFICO.com and they offer something for 25month, I dont know if thats any good, though. Says they use real FICO scores, so thats nice.Anyway, just reaching out to the awesome rpersonalfinance community for help and guidance.Thanks!  <response>: my personal opinion is that you should not be paying for this.you do not need a real time reading of your credit score just a trend.for that, creditkarma.com is good enough despite some shortcomings with the site. 