Their scoring system is NOT accurate! Not even worth having. I applied for credit through Capital One for a vehicle because of the score given to me through Capital One Credit Wise App. I was denied by Capital One and got a letter stating it was due to a low credit score. The difference was 100 points lower than what their own system provided me, they used Experian. In other words their App doesn't even go by the actual score needed for credit approval! This App will be deleted after this review