What Credit Bureau Does CreditWise Use?

CreditWise's score comes directly from TransUnion, so the only bureau that tracks your CreditWise rating is TransUnion, which supplies the underlying account information and updates the score each day; this is why later sections focus on TransUnion‑specific actions like disputing errors or handling freezes.

CreditWise primarily pulls its credit information from TransUnion, so the score you see in the app reflects TransUnion's credit file. The platform refreshes that data each day, delivering the same account balances, payment histories, and inquiries that appear on a standard TransUnion report.

Because the source is TransUnion, every line‑item on your CreditWise dashboard mirrors what you'd find on a TransUnion credit report, including the VantageScore‑style rating. This data foundation also explains the reasons explored in the next section for why CreditWise favors TransUnion over the other bureaus. Capital One CreditWise overview

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• CreditWise relies on TransUnion because TransUnion supplies the most frequent daily updates, letting users see credit changes almost in real time.
• CreditWise picks TransUnion since its scoring model aligns closely with the VantageScore 3.0 algorithm that CreditWise reports, ensuring the displayed score matches what lenders see.
• CreditWise selects TransUnion due to its broad coverage of consumer accounts, including utility and telecom data that other bureaus often miss, giving a fuller picture of credit health.

CreditWise skips Experian because the service is designed to pull only TransUnion data. Capital One's agreement with TransUnion gives them real‑time access to the bureau's nightly feed, so the score updates daily without the latency that would come from aggregating multiple sources. (Capital One CreditWise overview)

Using a single bureau also avoids duplicate reporting and score confusion. Experian data would require a separate licensing deal, different scoring models, and extra processing that the app doesn't need. By sticking with TransUnion, CreditWise delivers a consistent, easy‑to‑interpret score, setting the stage for the next look at how it compares to services that use multiple bureaus.

CreditWise pulls its scores exclusively from TransUnion, so every daily update reflects TransUnion's latest account activity.

Credit Karma aggregates data from both TransUnion and Equifax, offering a blended view that can differ from each bureau's individual score; see Credit Karma's bureau overview for details.

CreditWise scores come from TransUnion's VantageScore 3.0, so you can line them up with your FICO range by converting between the two models.

1. Find your current FICO range.
   Log into the platform that provides your FICO score and note the 300‑850 scale position (e.g., 720‑740 good).
2. Check your CreditWise VantageScore.
   Open CreditWise (see TransUnion CreditWise overview) and record the VantageScore number shown.
3. Map VantageScore to FICO.
   Use the widely accepted conversion chart: 660‑720 VantageScore ≈ 620‑680 FICO, 721‑850 VantageScore ≈ 681‑850 FICO, etc. Align your CreditWise number with the corresponding FICO band.
4. Adjust expectations.
   Remember the models weigh factors slightly differently; a 720 VantageScore may translate to a 700 FICO, not an exact match.
5. Take targeted actions.
   If the mapped FICO band is lower than desired, focus on the same levers CreditWise flags - reduce credit utilization, pay down revolving balances, and avoid new hard inquiries.
6. Re‑check after updates.
   CreditWise refreshes daily from TransUnion, so revisit the score after a month of disciplined credit behavior to see the FICO‑equivalent shift.

CreditWise's daily updates can make your score rise or fall each day. The app pulls the latest TransUnion data every 24 hours, so any new activity shows up instantly in your CreditWise view.

When TransUnion records a recent payment, a balance shift, or a hard inquiry, the daily refresh reflects that change right away. Conversely, the removal of a delinquent account after 30 days can boost the score as soon as the next update runs.

Because the score mirrors the most current TransUnion file, you see a near‑real‑time picture of your credit health. Lenders often rely on the monthly snapshot they receive, but the daily view lets you spot errors, plan payments, and understand how habits affect your score before a lender reviews it. (TransUnion CreditWise overview)

You dispute errors on CreditWise by submitting a TransUnion dispute directly through the CreditWise dashboard or via TransUnion's online portal.

• Log into your CreditWise account and navigate to the 'Credit Report' tab.
• Find the line item that's incorrect and click the 'Dispute' button next to it.
• Choose a reason (e.g., wrong balance, outdated status) and attach any supporting documents such as statements or letters.
• Review the summary, then submit.
• TransUnion will investigate, usually within 30 days, and notify you of the outcome in the CreditWise app.
• If the item remains, you can appeal the decision or contact TransUnion's consumer help line for clarification.

Disputing through CreditWise keeps the process inside the same platform you already use, while still leveraging TransUnion's formal dispute workflow, ensuring the error is corrected across the bureau that powers your CreditWise score.

A TransUnion freeze does not halt CreditWise; the tool still reads the updated file and displays any new activity.

• The freeze blocks lenders from pulling the report, but it does not stop TransUnion from recording fresh inquiries, account openings, or balance changes.
• CreditWise accesses the consumer‑access version of the file, so each daily refresh reflects those updates even while the freeze remains.
• Only the ability to add new credit is restricted; viewing your credit‑wise score and recent activity stays uninterrupted.
• For a deeper look at freeze mechanics, see TransUnion's credit‑freeze FAQ.

(Next, we'll explore how to fix mismatched bureau data that sometimes pops up on CreditWise.)

When CreditWise displays a TransUnion entry that doesn't match the records you see elsewhere, the glitch is fixable in three steps.

1. Grab the current TransUnion report from the bureau's website and line‑up each account with the one shown in CreditWise. Highlight any discrepancies.
2. Launch a dispute at TransUnion's online dispute center. Upload the same account statements or letters that prove the correct information, and cite the exact CreditWise entry that's out of sync.
3. Once TransUnion finishes its investigation, refresh the CreditWise app. If the error remains, forward the dispute confirmation to Capital One's support team, referencing the dispute case number.

(As we covered above, CreditWise primarily pulls data from TransUnion, so correcting the source clears the mismatch.)