CreditWise compensates us when you sign up for CreditWise using the links we provided. In order to enroll in CreditWise, you need to be a U.S. resident, over age 18, and with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau. The CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many scoring models. The CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. Alerts are based on changes to your TransUnion and Experian® credit reports and information CreditWise finds on the dark web. Some monitoring and alerts may not be available if your enrollment information does not match the information at one or more consumer reporting agencies