Home › Credit › Free credit score services › Credit Karma vs Capital One CreditWise
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.
| Credit Karma | Capital One CreditWise | |
|---|---|---|
| Score model | VantageScore 3.0 | FICO Score 8 |
| Bureau data | Equifax and TransUnion | TransUnion (alerts from TransUnion and Experian) |
| Cost | Free | Free |
| Credit report included | Yes (Equifax and TransUnion) | Yes (TransUnion) |
| How often it updates | not found | not found |
| Who can use it | not found | Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed |
Sources: Credit Karma page (checked 2026-10-12) · Capital One CreditWise page (checked 2026-10-12)
More on Credit Karma · More on Capital One CreditWise · All free credit score services
Score model: Credit Karma VantageScore 3.0, Capital One CreditWise FICO Score 8; Bureau data: Credit Karma Equifax and TransUnion, Capital One CreditWise TransUnion (alerts from TransUnion and Experian); Cost: Credit Karma Free, Capital One CreditWise Free; Credit report included: Credit Karma Yes (Equifax and TransUnion), Capital One CreditWise Yes (TransUnion); How often it updates: Credit Karma not found, Capital One CreditWise not found; Who can use it: Credit Karma not found, Capital One CreditWise Anyone 18+ with an SSN matched to a TransUnion file; no Capital One account needed.
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.