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Lots of apps show a free credit score, but they don't all show the same score. Some show a FICO Score (the kind most lenders use), others a VantageScore, and each one draws on one credit bureau's file. Checking your own score never lowers it. Here's what each free service says it gives you.
Source: Capital One CreditWise page (checked 2026-10-12)
Here are the facts we could confirm on Capital One CreditWise's own page (2026-10-12): score model: FICO Score 8; bureau data: TransUnion (alerts from TransUnion and Experian); cost: Free; credit report included: Yes (TransUnion); how often it updates: not found; who can use it: Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Capital One CreditWise page (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.