Creditwise/Clear Score and Equifax

robboa

Morning all, now i know credit scores dont mean anything so save me the lectures. I'm just intrigured to know

So Creditwise is an extension of capital one and allows you to see your Equifax credit report free.

Anyway my point is, do Clear Score use the same credit score as equifax and would credit wise use the same score as Equifax or would all three of these make up their scores.

I only ask as Clearscore is 214 out of 700, equifax i dont know, and credit wise is 451 out of 700. I assumed that as clearscore/credit wise and equifax are all out of 700 that they would all be using the same score?

Please note, please dont make this thread that credit scores done mean anything, i know this, my question is are all clearscore and creditwise piggybacking the scores off of equifax and if they are why are they different.

Thanks

molerat

My score across all 3 has always been the same.

RG2015

The data and scores all come from Equifax. Any differences are down to timing. For me, Clearscore is about a month behind and Creditwise is often two months behind Equifax.

SlovakianGuy

CreditWise is junk. At least to me.

It says "Not on the electoral roll at current address" even though I am. Same with my previous address. Another incorrect info is "Oldest credit account is newly opened" which is not. No such problem with ClearScore.

Also, credit scores don't match.
My ClearScore

Nov - 431

Dec - 391

Jan - 460

Feb - 505

My CreditWise
Nov - 352
Dec - 339
Jan - 351
Feb - 351

Edit: I just noticed my CreditWise doesn't even show my accounts any more. This is probably the last time I logged into CW.

[Deleted User]

Had an email the other day saying CreditWise is closing soon but Capital One are working on bringing it back in the new year. I wonder what the reason is.

Also my ClearScore and CreditWise scores are different.