Credit Bureau Contact Information For 2021

There are a number of reasons why you might need to contact the major credit bureaus. Perhaps you want to dispute a negative item or request a freeze on your credit report.

typing a letter

Even if you have good credit and don’t need to review or dispute any negative items, it’s a good idea to monitor and keep copies of your annual credit reports.

As a consumer, this helps to ensure fair credit pricing while also protecting you against identity theft.

Reviewing your free credit report also lets you know where you stand credit-wise and allows you to check for any potential problems you might not be aware of. Mistakes happen and the sooner you can catch them, the better off your credit will be.

Where to Go for Your Free Annual Credit Report

If you’re looking for your free credit report from each of the big 3 credit bureaus — Equifax, Experian, and TransUnion — you can get free copies at

The website is operated by the three credit bureaus and is authorized by federal law. You can access each of your credit reports once every 12 months for free. So if you order a copy of your credit report on September 30, you can’t get another one until October 1 of the following year.

After that, you can pay to receive more frequent copies, which usually cost around $15 each, or you can typically order all three together for a discounted price. You might find this helpful if you’ve requested changes to your credit reports or filed a dispute and want to confirm that the information has been updated.

Benefits of Paying for Your Credit Report

It may be wise to pay for your credit report if you need a faster dispute process. Normally, credit bureaus have 30 days to investigate a dispute. But if you get your credit report for free from, they have 45 days to respond.

Sometimes you need to contact the individual credit bureaus concerning specific issues. This may involve various kinds of misreported information or negative items you want to clear up.

Additionally, you can contact each credit bureau to place a fraud alert or security freeze on your credit report. Fraud alerts stops anyone from accessing your credit reports for a new inquiry, which can cause fraudulent applications to be denied instantaneously. This service is now free from the credit bureaus.

No matter what your concern may be, it can be hard to get a real person on the phone. But if you’re persistent, you can always find a way. If the main numbers you find online won’t allow you to connect with someone, look up the company’s local corporate headquarters and call them directly. Ask to speak with a customer service agent to quickly get someone on the line.

With that said, we find that the best way to contact them is usually by mail.

Credit Bureau Addresses

The following information for contacting Equifax, Experian, and TransUnion is accurate as of the publishing of this article. However, this information may be updated as these mailing addresses are known to change often.

When it comes to mailing addresses, corporate headquarters aren’t the right addresses to write to concerning questions about individual accounts. Before sending the credit bureaus a letter, you may want to verify the information to make sure you’re addressing your letter to the correct department.

You can always refer to each credit bureau’s website to get up-to-date contact information or to find online forms. It’s useful to note that the credit bureaus prefer that you contact them by phone first.

When you speak with an agent, they’ll give you the best address to use for your particular issue. You may also wish to read each credit bureau’s website to find specific numbers other than the general numbers provided below. Either way, this is a great starting point to get connected to the right place.


Mailing address:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Phone numbers: (888) 298-0045 (for customer care) or (800) 349-9960 (for security freezes)



Mailing address:

P.O. Box 4500
Allen, TX 75013

Phone number: (888) 397-3742 (for disputes)



Mailing address:

TransUnion LLC
P.O. Box 2000
Chester, PA 19016-2000

Phone number: (800) 916-8800


Other Credit Reporting Agencies

While Innovis is not one of the three major credit bureaus, consumers have increasingly found it important to keep tabs on Innovis credit report, especially given their relationship with Fannie Mae and Freddie Mac.

This company primarily serves to sell lists to creditors (including mortgage lenders) of creditworthy and non-creditworthy individuals.

You can access reports and request changes just as you would with any of the three major credit bureaus. However, you’ll have to call the national opt-out number (1-888-567-8688) to have your name and number removed from their lists.

For free reports, contact:


Mailing address:

Attn: Consumer Assistance
P.O. Box 1640
Pittsburgh, PA 15230-1640

Phone number: (800) 540-2505


For Innovis corporate headquarters, contact:

250 E. Town St.
Columbus, Ohio 43215

PRBC Inc. (Payment Reporting Builds Credit)

A fifth credit reporting agency is PRBC Inc., which performs the same functions as the other CRCs. However, it also allows consumers to build reports and a positive credit history using alternative data, such as utility bills and insurance payments.

PRBC Inc. uses information not always reported to the other credit bureaus, allowing consumers to rebuild a positive credit history. The company is owned by MicroBilt Corporation.

MicroBilt Corporation

Mailing address:

1640 Airport Rd, Suite 115
Kennesaw, GA 30144

Phone number: (800) 884-4747


When contacting the credit bureaus by phone, you should have some things ready. You will need to give them your full name, date of birth, address, phone number, and social security number.

Additionally, they will probably ask you some security questions about your credit history to verify that it’s you.

When contacting the credit bureaus by mail, you will need to include the same information as stated above, plus a copy of a government-issued identification card, such as a driver’s license, passport, or state ID card. You will also need to include a copy of a utility bill, bank statement, or insurance statement.

Credit Bureaus and Fraud Alerts

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

Identity theft is a harsh reality in a world of debit cards, credit cards, and online banking. If you’ve been a victim, you know the importance of protecting yourself from future infractions. A little-known solution is available through the credit bureaus: fraud alerts. If you want to avoid identity theft, review the information below and take the crucial first steps.

What is a Fraud Alert?

For anyone who has dealt with the aftermath of identity theft, fraud alerts are a useful way to ensure future security. By initiating these alerts with the credit bureaus, lenders are required to contact you by phone or other means to authorize new lines of credit or the use of your name on applications. If they cannot reach you, the application or credit activation will be denied and flagged for fraud. This process ensures your awareness of any and all activity on your account, and will help you recognize when fraud is being committed in your name.

What Are the Disadvantages?

While fraud alerts can protect you from identity theft, the convenience of instant credit authorization becomes a thing of the past. Unless you are available by phone to confirm your credit application, you may have to wait a day or two to make an in-store purchase. For example, Emma is shopping for a new sofa and wants to get 10 percent off by opening a department store credit card. Although her credit score is acceptable, the fraud alert requires the lender to contact her by phone to authorize the new line of credit. If her cell phone is listed as her primary contact, she won’t have to wait. However, if her home phone is her primary number, she may face a short delay in completing her purchase. Despite this minor inconvenience, those who seek fraud alerts are likely to weigh the benefits over the drawbacks.

How to Set it Up

Once you have decided to set up fraud alerts, it is up to you to take the first step. While some claim that the credit bureaus work together to maintain fraud alerts, the best way to avoid identity theft is to contact Experian, TransUnion, and Equifax individually. The process is simple and should only take a few minutes to complete. Depending on the bureau, your alerts may expire after 90 days, so it is imperative to reactivate them periodically to ensure your protection.

What Happens Next?

You should receive a confirmation letter within a week or two of setting up your fraud alerts. If not, make sure to call the credit bureaus to verify your alerts. With fraud alerts attached to your credit report:

  • Your name will be removed from pre-approved offer lists, such as credit cards and insurance offers.
  • You may become eligible for an extended victim statement status, which will keep your fraud alerts in place for seven years. This process requires approval from each credit bureau.

Although it is difficult to protect yourself from identity theft entirely, fraud alerts are a strong first line of defense. By working with the credit bureaus and taking a proactive stance, your credit report is more likely to be shielded from modern-day theft.


How To Freeze Your Credit Report

The potential for becoming a victim of identity theft is greater than ever before. In fact, some figures estimate that as many as 15 million Americans personally experience some form of this crime each year. Cleaning up the mess that comes along with identity theft is likely to be a lengthy, troublesome process.

confused woman

You’re bound to spend an excessive amount of time on the phone in an attempt to get your money back and get your credit to return to normal. You’ll have to call the companies where the fraud occurred and place a fraud alert on all 3 of your credit reports. Luckily, there’s a way to prevent going through this hassle.

A simple tool called a credit freeze can save you the headache of dealing with identity theft by potentially stopping it from happening altogether. Read on to find out more about a credit freeze and why you need one.

What is a credit freeze?

A credit freeze (also known as a credit report freeze or security freeze) allows you to restrict lenders and credit card companies from accessing your credit information. This helps to stop identity theft because it prevents anyone from applying for loans or credit cards until you lift the freeze.

For example, let’s say an identity thief submits a credit card application using your social security number. The credit card company will most likely try to access your credit history to gauge how likely you are to make your monthly payments.

If you have a credit freeze in place, they won’t be able to access that information. They will deny the identity thief’s application.

When you have a security freeze in place, there are still a couple of situations in which your credit report may be accessed. Your existing creditors or their debt collectors can still access the information. Government agencies who have received authorization from a court order, subpoena, or search warrant can also.

However, since these companies and agencies aren’t associated with opening new lines of credit under your name, you don’t have to worry about identity theft in these situations.

What is a credit lock?

A credit lock is similar to a credit freeze. It allows you to restrict access from most lenders. However, it allows you to unlock your credit report at any time. It can be done immediately on your computer or mobile device.

So, what’s the difference? The main difference is that it’s easier to unlock a credit lock than it is to unfreeze a credit freeze. A credit freeze requires the use of a password-protected account or PIN number.

Why freeze your credit?

Freezing your credit report is a smart move because it offers credit protection even if your personal information has been compromised. That being said, you should consider freezing your credit report even if you’re not aware of your personal information being stolen.

It’s an easy step to take care of in advance of potential identity theft and is important to do because you may not even know that your information has been stolen.

Security Breaches

Major companies around the world are constantly being attacked by hackers in an attempt to steal credit card numbers, social security numbers, and other personal information. To make matters worse, they may not even know about the compromised information until well after the attack has happened.

For example, 80 million members and employees of health insurance company Anthem had their social security numbers stolen in early December 2014.

However, Anthem didn’t even realize the data breach had occurred until late January of 2015 and didn’t make any announcements for another week. That’s nearly two months where millions of consumers’ credit reports were available to identity thieves without them even knowing it.

Anthem eventually offered credit monitoring services to members. However, having a simple security freeze in place would’ve provided an additional level of security, particularly during those first two months of ignorance.

How does a credit freeze affect your credit score?

Implementing a credit freeze does not affect your credit whatsoever. In fact, the only effect that it has on your credit score is keeping it intact against potential threats from thieves.

A security freeze also doesn’t prevent you from receiving your free annual credit report from each of the three major credit bureaus. You can still request that information each year through

You’ll also still receive prescreened credit offers when you have a credit freeze in place, however, you can still opt out of those.

Another important point to note is that credit freezes only restricts lenders’ access to your credit report. It does not in any way monitor your bank or credit card activity. So, you still need to keep an eye on those transactions to make sure there is no suspicious activity.

Many banks will often set up alerts to detect odd spending patterns in your accounts, but you shouldn’t strictly rely on them to keep track of your money. Identity thieves opening new accounts in your name and using current accounts are two separate crimes. Therefore, they must be monitored and treated differently.

How much does it cost to freeze your credit?

The cost of a credit freeze depends on a few different things but is generally decided by the state in which you live. If you’ve already been the victim of identity theft, then the security freeze is usually free.

Many states also offer this service for free to seniors over 65 years old. Otherwise, the costs typically range between $3 and $10. Unfortunately, you have to pay the fee for each individual credit bureau. So, realistically the total fees can range anywhere between $9 and $30.

You’ll also be charged fees for lifting the freezes, either temporarily or permanently. These costs range from $2 to $10 for each agency. It may seem like the expenses associated with a credit freeze could add up quickly.

But in reality, they are quite minimal considering the time and cost of recovering misused funds and repairing your credit that has been hijacked by an identity thief.

How do you unfreeze your credit report?

There are two ways to lift a credit freeze: either temporarily or permanently. A temporary lift is used when you’re applying for a loan, a credit card, or even a job that requires an extensive background check.

Just be sure to plan in advance because it can take up to three business days after you submit the request for the agency to actually lift the security freeze.

To save yourself a bit of time and money, you can ask the lender or potential employer which credit reporting agency they plan on contacting. That way you can just lift that one specific credit freeze.

Permanent Lift

A permanent lift, as the name indicates, entirely removes the credit freeze from your credit report. Whichever option you choose, you’ll need your PIN. You should’ve received it in a confirmation letter when the freeze was initially put into place.

You’ll have separate PINs for each credit reporting agency so be sure to place all three in a secure location.

What happens if you lose your security PIN?

If you lose or misplace your security PIN for one (or all) of the three credit bureaus, you’ll need to individually contact each one in writing.

Along with your request, be sure to send a copy of your proof of identification, such as your driver’s license, birth certificate, or passport. There will likely be a fee assessed for sending you a new PIN. Fees typically range between $5 and $10 depending on your state.

What other things can you do to prevent identity theft?

There are three types of identity theft as categorized by the Bureau of Justice:

  • Unauthorized use of an existing account.
  • Unauthorized use of personal information to open a new account.
  • Misuse of personal information for fraudulent purposes.

Attempts at any of these actions also constitute fraud.

In addition to implementing a credit freeze, there are a few other proactive ways to prevent identity theft. The first is placing a fraud alert on your credit report.

Fraud Alerts

A fraud alert requires credit companies to verify your identity before offering any credit. To do this, the company will try to get in touch with you so make sure your contact information is up to date.

You only have to request a fraud alert from one credit reporting agency, and then that agency will notify the other two of your request. Fraud alerts are free for 90 days and can be renewed.

Credit Monitoring

Another option is to sign up for a credit monitoring service, which can track your credit activity, notify you of any changes to your credit score, or potentially both.

The exact services and costs vary depending on the company you select so do your research before choosing one. To help you out, we’ve created a roundup of the best credit monitoring services for 2021.

Final Thoughts

Identity theft has unfortunately become a common occurrence in the modern world. It’s becoming more and more likely that you’ll be affected by this criminal practice at some point in your life.

Protect your finances by taking proactive steps to fight against becoming a victim. While there are plenty of products and services available today, implementing a credit freeze is a simple, low-cost solution to prevent thieves from opening new accounts with your personal information.

Understanding the Three Major Credit Bureaus

  • Raise Credit Score

Learning about the three major consumer credit bureaus can help you to familiarize yourself with your own credit score. The three major consumer credit bureaus are:

  • Equifax
  • Experian
  • TransUnion

A credit bureau is an entity that collects information about you and how you have managed to use credit in the past. Essentially, credit bureaus store our information and use it to build us a personal track record of our financial accounts and credit file. This organized track record is better known to the average consumer as a credit report. 

Oftentimes, these three big credit bureaus are seen and referred to as one, when in reality, they are competitors in the business of supplying creditors with information. 

So, what is this data used for?

The data that Experian, Equifax, and TransUnion collect is generally used for:

  • Calculating credit scores.
  • Lenders to make decisions about whether or not to offer a consumer a credit card or a loan and at what interest rate. 
  • Some pre-employment screening background checks.
  • Evaluating lease applications.
  • Insurance companies to determine what rates to give. 
  • Deciphering whether or not the consumer is required to pay a utility deposit. 

As a consumer, you have a right to check your credit and are entitled to one free annual credit report from each major credit bureau. 

How credit reporting agencies collect information

The services provided by these credit bureaus are beneficial to creditors when they are trying to decide whether or not they want to offer credit to a consumer. That means that even though creditors are not legally required to report information to the credit bureaus, most of them will do it anyway, since it helps their business. 

So how do credit bureaus get their information?

  1. Creditors: In the world of consumer finance and credit accounts, creditors are often known as “data furnishers.” Banks and credit card companies usually report your payment history and how you’ve handled credit cards and loans to either one bureau, two or all three. This is why if you check your credit report from each bureau, you might notice a slight difference between the three at times. 
  2. They purchase or collect information: There are some types of data that the big credit bureaus have to buy. Oftentimes, reporting companies like LexisNexis will sell credit information such as bankruptcy records and government tax liens to the big credit bureaus. The credit bureaus also seek out information from public records to collect information on any repossessions, bankruptcy filings or foreclosures you may have undergone. Usually, common consumer accounts like utilities and rent won’t show up on your credit report unless you make late payments that consequentially turn into a debt collection issue. 
  3. They share it with each other: Yes, sometimes these three competing credit bureaus do share information with each other, but not like you might think. There are certain instances in which the credit bureaus are required to share information with one another. An example of this is when a consumer experiencing identity theft places an initial fraud alert through only one of the credit bureaus. The credit bureau that receives the fraud alert must then notify the other two bureaus. 

So, what information are these credit bureaus collecting?

  • Information surrounding your identity including your name, birthdate, Social Security number and past and current addresses. 
  • A list of your credit account history including your current accounts.
  • Payment history; record of whether or not you’ve paid on time. 
  • Missed payments, collections accounts, bankruptcies, repossessions, and foreclosures. These are considered negative marks, but they aren’t permanent. After seven years, they are usually removed from your report. 
  • A record of who has pulled up your credit report. For example, the times that you have applied for credit or have been screened for preapproval will usually be included on this record.

Why your credit score might not show up on your credit report

By law, the credit bureaus must make the information in your credit reports available to you, however that doesn’t necessarily include your credit scores. 

Out of the several different types of credit scores, there are two that are the main players in the game: FICO and VantageScore. 

Both of these data analytics companies generate your credit score by taking the information from your credit reports and running it through an algorithm they each have created. Since their algorithms are not exactly the same and both companies have probably acquired different sets of data, your credit score might vary depending on the scoring model that was used. 

How to get credit reports from each credit bureau

As a consumer, you have a right to obtain a free annual credit report from each of the three main credit bureaus. 

Use this as an opportunity to look over your reports and check if there are any mistakes. It’s in your best interest to check your credit report carefully for identification mistakes and/or incorrect account information. Mistakes like these could be causing harm to your credit if they exist, so you’ll want to take care of this right away. 

Since each of the three major credit bureaus work separately from one another, it’s important for you to check all three. 

How to take care of mistakes on your report 

Mistakes on your credit report can mean a lot of things, whether it’s an innocent mishap or a case of identity theft. Fortunately, if you find a mistake on your credit report, you can dispute it. 

Disputing an error on a credit report means that you will need to file a formal complaint that the bureau must legally respond to. However, each bureau’s error disputing process is a little different, which is why it’s important that you check all three reports. 

If you find that the same mistake is on all three reports, it’s extremely important that you file a complaint with all three bureaus as credit reporting companies do not share this information. 

Listed below are the links to dispute an error:

Other Important Credit Bureaus 

Experian, TransUnion and Equifax are the main three players in the credit bureau game, but other credit bureaus do exist. See the Consumer Financial Protection Bureau (CFPB) for a listing of dozens of consumer credit bureaus categorized based off of the type of information that they collect and make available to creditors. 

If you’re interested in learning more about these different credit bureaus and what they do, take a look at the CFPB website for a full listing complete with their phone numbers and addresses. 

These are three credit bureaus you may also want to familiarize yourself with:

    • ChexSystems: Focuses on gathering and reporting information on closed checking and savings accounts. 
    • National Consumer Telecom and Utilities Exchange (NCTUE): Focuses on gathering and reporting information on the utility industries, telecommunications, and pay TV.
  • Comprehensive Loss Underwriting Exchange (C.L.U.E.): This bureau is owned and operated by LexisNexis and focuses on collecting information related to insurance and create consumer auto and personal property reports. This information could be used by insurance companies when coming up with an insurance premium. 

Key Takeaways

Credit bureaus exist and they play a major role in our credit score. Whether they are one of the major three or they are a smaller credit bureau, there are several different credit bureaus using a broad selection of sources to gain information and put together credit reports. 

The data and algorithms used to calculate your credit score vary from credit bureau to credit bureau, which is why your score might look slightly different at times. 

Go online, mail in, or call the credit bureau to request a report. If you find an mistake on one of your reports, you can file a claim and the credit bureaus are legally required to evaluate and correct the error as necessary.  

Some of these credit bureaus offer free credit reports, but you may need to submit a mail-in request or call to request your report.


How to Protect Your Credit Health When Money Is Tight

This content is for the first stimulus relief package, The Coronavirus Aid, Relief and Economic Security Act (The CARES Act), which was signed into law in March 2020. For information on the Coronavirus Response and Relief Supplemental Appropriations Act of 2021, the stimulus relief package currently pending legislation, please visit the “New Coronavirus Relief Package: What Does it Mean for You and a Second Stimulus Check” blog post

With nearly two-thirds of Americans feeling financial strain due to the COVID-19 pandemic, it’s an important time to take an active role in our finances. Making financial plans can feel demotivating if money is tight, but understanding your goals is the key to making productive financial decisions. There are typically two key areas of focus when creating a financial plan: growth and protection. Growth isn’t possible for many people right now given the rise in unemployment and reductions in work hours. However, even if your income is unstable, there are still steps you can take to protect your credit health.

Know where you stand

According to week eight of TransUnion’s Consumer Financial Hardship Study, 36% of Americans think it’s very important to monitor their credit score during the current health crisis. They’re absolutely right. Checking your credit scores and reports helps you baseline your credit health and enables you to keep track of any changes to your credit history, which may in turn affect your score.

Accessing and monitoring your credit information is an important part of managing your credit health during COVID-19, so the credit reporting agencies (TransUnion, Equifax and Experian) are offering all Americans free weekly credit reports online at through April 2021. Or you can download a free app like Mint to review and monitor your score.

Now that you have weekly access to your reports, try to schedule a consistent time to check them. Lenders typically report updates to accounts each month, but different lenders may update at different times. It’s important that you make a habit of monitoring your credit regularly.

When reviewing your credit reports, look for any updates you’re anticipating or unexpected changes that may need closer review. Your credit report is a representation of your data identity, and you should manage it as a valuable asset. Just like you, the credit reporting agencies want to be sure all your information is accurate and up to date. This ensures the credit reporting system is fair for everyone. Check your personal information, and go through the open credit accounts listed to make sure you recognize all of them. Review account balances and payment histories to be sure they’re accurate. You may also want to note the contact information for each of your lenders. If you have a question about a specific item on your report, it may be a good idea to contact your lender directly to get more information. You can also submit a dispute with the credit reporting agency that issued the credit report to request an investigation of anything you believe is inaccurate.

Continue making payments

Your payment history is such an important factor in calculating your credit score, so making on time payments consistently, if you’re able, is a good way to protect your credit health. If you think you may struggle to pay, talk to the company you have the account with as soon as you can, before you miss the payment. We’ve seen a positive trend in companies reaching out to their customers to provide guidance during COVID-19. In fact, TransUnion’s Consumer Financial Hardship study shows that 69% of financially impacted Americans say that companies they have accounts with have contacted them about payment accommodations. But you don’t need to wait for your lender to contact you — almost half of all financially impacted Americans have already reached out to their lenders to discuss payment options. Be proactive if you’re having financial difficulties. COVID-19 is affecting people in many different ways, but everyone knows people are struggling. There are options and resources available to help provide support.

If you do plan to enroll in forbearance or deferment programs with your lenders, ask questions to be sure you understand all the terms. Good questions to ask might include whether the lender will still assess fees, how interest is calculated, and how the lender will report your account to the credit reporting agencies while it is in the hardship program. Then, try to develop a plan for when the accommodations end. There are guidelines for federally backed loans like mortgages and student loans thanks to the CARES Act, but relief options provided by private lenders may vary. Be sure to get all agreements in writing so you have the information you need to build a plan for restarting postponed payments later.

Guard against fraud

With new and sometimes confusing information out there about stimulus checks and small business loans, the environment is ripe with opportunity for fraudsters. The TransUnion Consumer Financial Hardship study found that a quarter of Americans know they’ve been targets of digital fraud schemes related to COVID-19. If someone gets access to important information like your Social Security number, they can wreak havoc on your finances and credit health. Be especially cautious right now with communications related to the CARES Act and stimulus checks. Remember, no government organization will ask you to share sensitive information over phone, email or text message. Only use official government websites when submitting information online.

If you don’t plan to apply for new credit anytime soon, you may want to consider freezing your credit. This helps prevent fraudsters from opening new accounts in your name, as a freeze prevents lenders from accessing your credit report after they receive a new credit application. Credit freezes are free, don’t affect your credit score and can be easily lifted whenever you need to do so. You will need to place a credit freeze with each of the three credit reporting agencies separately if you want the most protection.

You also can add a free fraud alert to your credit report if you think you may have been a victim of fraud. A fraud alert does not block potential lenders entirely, but notifies them to take extra steps to verify your identity before extending new credit. If you add a fraud alert to your report at one credit reporting agency, the other two are notified automatically to add one to your report as well.

It’s completely natural to feel frustrated about a lack of progress with your finances, especially if you’ve made sacrifices to build your wealth and credit history. And it’s understandable that many people may feel like all they can do is sit back and wait for the economy to improve. But you don’t have to. You can take proactive action to protect what you’ve built. Establishing consistent, protective habits now can pay off later when we’re all better able to concentrate on growth.

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