It is ok it is free and it does help you keep track of your acconts but the score part of it isn't all the way accurate other credit score from other places are different my score could say 600 on creditwise but 655 on another and there update process on checking your score is long like 1 month but others everyday or every 5 days so credit wise is ok for keeping track of all your accounts in one place but the score part needs improvements but would I recommend credit wise sure its good safe helpful and free.
The Capital One CreditWise score is your TransUnion VantageScore 3.0 score. So yes, they accurately retrieve that data. As for how accurate is CreditWise from Capital One vs. FICO, it's really hard to determine. The methods they use aren't that clear. But the results are extremely close for both scoring models.
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