The Capital One CreditWise score is pretty accurate, considering that it monitors your TransUnion VantageScore 3.0 score.
Is CreditWise Capitalone trustworthy?
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.
What is more accurate CreditWise or credit Karma?
Services such as CreditWise pull from all relevant major credit bureaus whereas Credit Karma pulls from fewer, thus resulting in the potential for less precise credit score reporting.
Does Capital One CreditWise use FICO?
FICO® is a different credit score model than the one we use for CreditWise, which is the TransUnion VantageScore 3.0 credit score. But both of these credit scoring models are based on similar key factors that lenders want to know about before offering you credit.
Why is my credit score lower than CreditWise?
Your score differs based on the information provided to each bureau, explained more next. Information provided to the credit bureaus: The credit bureaus may not receive all of the same information about your credit accounts. Surprisingly, lenders aren't required to report to all or any of the three bureaus.