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ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more. Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. *For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version. Capital One’s CreditWise is a free credit monitoring service that allows you to access your credit score and credit report. You don’t need a Capital One account to use CreditWise, but you must be 18 or older with a valid Social Security number. The CreditWise app is available for both Apple and Android devices.
What is CreditWise?Creditwise, a free credit-tracking service that was rebranded from Credit Tracker in 2016, has a handful of primary features. It allows you to:
There are two primary credit scores in the U.S.: FICO Scores and VantageScores. While most people are more likely familiar with the FICO model of credit scoring, Capital One credit monitoring from CreditWise uses TransUnion’s VantageScore 3.0 model. CreditWise features
CreditWise reviewsMillions use the CreditWise app, according to Capital One. Overall, CreditWise reviews are positive, with users touting the CreditWise app for its helpful simulator, privacy notifications and tailored credit advice. Many users appreciate the CreditWise mobile app’s $0 price tag, as some competitors charge a monthly or annual fee. Here’s the breakdown by store:
*Review ratings as of May 21, 2021 How to sign up for CreditWiseCreditWise signup is simple, especially if you already have a Capital One account — customers can log in without signing up separately. To sign up, you’ll need to provide your:
You must be at least 18 and a resident of the U.S. or Puerto Rico to use the app. You must also have a valid Social Security number. You can use the CreditWise login to check your credit score as often as you’d like without it being negatively affected. To cancel your account, you simply go into the app’s settings and select “Cancel My Account.” Keep in mind that although you can cancel your account anytime, it could take up to 45 days. CreditWise vs. FICOThe primary similarities when comparing CreditWise versus FICO are that both allow you to view your credit score and credit report. But while CreditWise uses the VantageScore, FICO — as its name implies — uses the FICO Score. Another major difference between the two apps is that myFICO’s credit monitoring services come with a monthly fee that ranges from $19.95 to $39.95 a month. Plus, CreditWise only allows users to access their Experian and TransUnion credit reports, while myFICO shares reports from all three credit-reporting agencies: Experian, Equifax and TransUnion. Monitor your credit through LendingTreeLendingTree also offers free credit monitoring through the LendingTree app. The app not only offers free credit monitoring and quick notifications regarding score changes, but also makes recommendations for how you can save money and improve your credit score. CreditWise FAQ: Login, accuracy and moreIs CreditWise free? Yes. Where can I access the CreditWise login? The CreditWise login can be found here. What is the CreditWise Simulator? The CreditWise Simulator allows you to see how certain financial decisions would affect your credit score. For example, if you’re considering increasing your credit limit or closing an old credit card, you can see how your score would potentially change. Is CreditWise accurate? Yes, Capital One CreditWise is accurate. Because many people are more familiar with the FICO model of credit scoring than the VantageScore 3.0 model, they might be confused at first. But all information on CreditWise is accurate from a VantageScore perspective. As mentioned, CreditWise does not show you information from your Equifax credit report. Is CreditWise safe? Yes, CreditWise is safe. Because the service is backed by Capital One, a major banking institution, the service has high-level safeguards in place. iPhone users can use Touch ID to log in to the CreditWise app, and app users who also have credit cards with Capital One can use SureSwipe, a safety-enhanced login. What is CreditWise’s contact information? Because CreditWise is a subsidiary of Capital One, it is headquartered in McLean, Va., just like the bank. If you need help with the CreditWise app, your best bet is to contact Capital One at 1-800-227-4825 (1-800 CAPITAL). Rebecca Safier contributed to this report. Does Capital One use Vantage or FICO?While most people are more likely familiar with the FICO model of credit scoring, Capital One credit monitoring from CreditWise uses TransUnion's VantageScore 3.0 model.
Is Capital One a Experian?Capital One is an Experian Partner.
What version of the FICO score does Capital One use?Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models.
What lender does Capital One use?Capital One is unlike other banks in that there isn't one credit bureau that it is most likely to use when looking at a credit card application. It uses Experian (36%), Equifax (32%) and TransUnion (32%) roughly equally. In some cases, it will check two or three credit bureaus when making a lending decision.
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