Home › Credit › Free credit score services › Capital One CreditWise vs myFICO Free Plan
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 | myFICO Free Plan | |
|---|---|---|
| Score model | FICO Score 8 | FICO Score 8 |
| Bureau data | TransUnion (alerts from TransUnion and Experian) | Equifax |
| Cost | Free | $0 |
| Credit report included | Yes (TransUnion) | Yes (Equifax, monthly) |
| How often it updates | not found | Monthly |
| 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) · myFICO Free Plan page (checked 2026-10-12)
More on Capital One CreditWise · More on myFICO Free Plan · All free credit score services
Score model: Capital One CreditWise FICO Score 8, myFICO Free Plan FICO Score 8; Bureau data: Capital One CreditWise TransUnion (alerts from TransUnion and Experian), myFICO Free Plan Equifax; Cost: Capital One CreditWise Free, myFICO Free Plan $0; Credit report included: Capital One CreditWise Yes (TransUnion), myFICO Free Plan Yes (Equifax, monthly); How often it updates: Capital One CreditWise not found, myFICO Free Plan Monthly; Who can use it: Capital One CreditWise Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed, myFICO Free Plan 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.