Credit reports

[KevDen2005]

I don't use credit karma because if you aren't paying for a service, you are the product, not the customer. They use your information to tailor ads to you.

Is Credit Wise a product you pay for?

[00tec]

Is Credit Wise a product you pay for?

Kinda, since I am using their card (Cap One), it is included. I do not get ads. (Well, any more ads than I got from Cap One prior to using the service. I still get junk mail "refi your car" type stuff.)

It uses the same scoring system that Credit Karma uses, the vantage score thingy. According to the simulator, I should get 16ish points from the $2k increase on my Home Depot card I requested earlier.