For issues on your credit report that are NOT related to your Capital One account, you can dispute with the credit bureaus.For issues related to information that Capital One has reported to the credit bureaus, you can dispute directly with us.Who should I contact if I find a mistake on my credit report? CreditWise is free and available to everyone-even if you don't have a Capital One account. One way to monitor your credit is by using CreditWise from Capital One. As the Consumer Financial Protection Bureau (CFPB) explains, “Your score can differ depending on which credit reporting agency provided the information, the scoring model, the type of loan product, and even the day when it was calculated.”Īside from knowing where you stand, monitoring your credit can also help you spot reporting errors and potential fraud attempts. Please note that you have many credit scores. Your credit score can affect the interest rates you can get, what lending and credit options you're offered, renting property, and if you're eligible for certain jobs. Lenders can use your credit scores and reports to decide whether to do business with you. ![]() Each credit bureau compiles its own credit report, so your credit reports may be slightly different. There are three major bureaus that compile credit reports: Equifax®, Experian® and TransUnion®. It gives a view of your financial habits, like how often you make payments on time, how much credit you have, and how much credit you're using. It contains information like your history of paying loans and the status of your credit accounts. A credit report is a detailed report of a person's credit history.
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