Capital One CreditWise vs Experian®

CreditWise is a free credit monitoring tool that could help you improve your credit score. We believe in empowering people with the tools to effectively monitor and manage their credit, no matter where they are in their credit journey. Using CreditWise won't hurt your score. With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free access to dark web alerts to help you take action when your information is detected somewhere suspicious. Sign up for CreditWise and receive: ● Updates as frequently as daily to your TransUnion-based FICO Score 8. ● Access to your TransUnion credit report to look for signs of error, theft or fraud. ● Alerts if your Social Security number or email address are found on the dark web. ● Clarity on how certain everyday decisions may affect your credit score with the Credit Simulator. ● Helpful breakdowns of the key factors that make up your credit score and how you’re doing on each of them. ● Suggestions to help you improve your credit score. ● Alerts about select changes to your TransUnion or Experian® credit reports. ● Alerts if any new names or addresses were associated with your Social Security number on a credit application. Ever wanted to know the impact of certain financial decisions on your credit score, before you make them? CreditWise has a tool for that. Use the Credit Simulator to see how different scenarios—like opening a new credit card—could affect your FICO Score 8. Knowing how certain actions could impact your score may help you establish, maintain and build credit for more financial stability. CreditWise is free, fast, secure and available to every adult who is 18 or older residing in the US with a Social Security number and a report on file at TransUnion. Download the app today and take control of your credit. The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion® data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise. Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web. The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.

Get your Experian Credit Report and FICO® Score with a free membership—no credit card needed! Apply for credit cards and loans labeled “No Ding Decline™” that won’t ding your FICO® Score if you’re not approved^^. You could save an avg of $1,007/year on car insurance^^^. Chat with the Experian Virtual Assistant™. With a paid membership, you could save an avg of $721 with Bill Negotiation & Subscription Cancellation**and get an advance with Experian Cash™ powered by Brigit^.    GET STARTED FOR FREE ■Experian Boost®ø Raise your FICO® Score* using bills you already pay - cell phone, utilities, streaming services and eligible rent payments ■Credit monitoring  Stay informed if accounts are opened in your name, or new inquiries appear on your Experian credit report ■Marketplace^  Compare credit card, personal loan or car insurance quotes matched to your credit profile ■Financial health assessment#  Take a survey and get suggested actions to improve your overall financial health and see what steps you could take to improve it   PREMIUM BENEFITS   ■Bill Negotiation & Subscription Cancellation**   You could save time and up to $721 when we negotiate and cancel your bills  ■Experian CreditLock***  Protect against identity theft by locking your Experian credit file. Get real-time alerts if someone applies for credit in your name while locked  ■Experian Cash™ powered by Brigit##  Get a $25-250 advance when you need it most TERMS   See experian.com/legal for Terms of Use Agreement, Privacy Policy, Marketplace Licenses & Disclosures, Insurance State Licenses and Insurance Carrier Partner Details.   øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®.   *Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or another type of credit score altogether.   **Results will vary. Not all bills or subs eligible. Savings not guaranteed. $721 avg. est. savings w/ 1+ negotiation & 1+ cancelation. Paid membership w/connected payment account(s) req’d. See experian.com for details.  ***Experian CreditLock is a separate service from Security Freeze: experian.com/freeze/center.html. Learn about the differences at Experian.com  ##Based on FICO® Score 8 model. Approval is not guaranteed. Some may not see savings from improved interest rates. Offers are not available in all states.    ^^Applying for cards and loans labeled ‘No Ding Decline™’ won’t hurt your credit scores if you aren’t initially approved. Initial approval will result in hard inquiry, which may impact your credit scores.    ^^^Results will vary and some may not see savings. Average savings of $1,007 per year for customers who switched and saved.   #Results may vary. The financial health assessment is for informational purposes only and is not intended to provide financial, legal, tax, or other advice.  ^Experian Cash™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25–$250.  Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance with a free Experian membership. Terms apply.  ©2026 Experian. All rights reserved. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.