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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.ĬreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Your CreditWise score can be a good measure of your overall credit health, but it is not likely to be the same score used by creditors. You may be asked to answer questions to verify your identity, for your protection. You can also place and manage your security freeze by phone: call us at 888-Equifax (1-88). Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. You can place and manage a security freeze on your Equifax credit report online by creating or signing into your myEquifax account. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.Ĭapital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. For specific advice about your unique circumstances, consider talking with a qualified professional. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you.