Home › Credit › Free credit score services › Capital One CreditWise vs Credit Sesame
Both show a free credit score, but the model and bureau can differ, so the numbers may not match. Here's what each says on its own page.
| Capital One CreditWise | Credit Sesame | |
|---|---|---|
| Score model | FICO Score 8 | VantageScore 3.0 |
| Bureau data | TransUnion (alerts from TransUnion and Experian) | TransUnion |
| Cost | Free | Free (paid Premium adds other bureaus) |
| Credit report included | Yes (TransUnion) | Summary (TransUnion), weekly |
| How often it updates | not found | Daily |
| Who can use it | Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed | not found |
Sources: Capital One CreditWise page (checked 2026-10-12) · Credit Sesame page (checked 2026-10-12)
More on Capital One CreditWise · More on Credit Sesame · All free credit score services
Score model: Capital One CreditWise FICO Score 8, Credit Sesame VantageScore 3.0; Bureau data: Capital One CreditWise TransUnion (alerts from TransUnion and Experian), Credit Sesame TransUnion; Cost: Capital One CreditWise Free, Credit Sesame Free (paid Premium adds other bureaus); Credit report included: Capital One CreditWise Yes (TransUnion), Credit Sesame Summary (TransUnion), weekly; How often it updates: Capital One CreditWise not found, Credit Sesame Daily; Who can use it: Capital One CreditWise Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed, Credit Sesame not found.
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.