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WalletHub Credit Reporting Review


ConsumersAdvocate.org Rating: 4.1 / 5 (Excellent)
84 Customer Comments & Reviews - see all comments
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Washington DC-based WalletHub is a free financial services website owned by Evolution Finance, Inc. The company provides daily free credit scores and reports as well as credit building tools and advice. WalletHub's products feature personalized alerts and 24/7 credit monitoring. Since the services are free, WalletHub generates revenue by partnering with the credit card companies featured on its site.

How Do We Rate WalletHub?

Breakdown

4.0/5
Plans and Pricing
4.0/5
Report Details and Frequency
4.5/5
Credit Bureau & Credit Scores
4.0/5
Monitoring and Extra Features

Our Overall Rating: 4.1 / 5 (Excellent)

WalletHub is one of the better free credit reporting applications. The main differentiator here is the daily credit score and credit report. As far as we know, no other free credit reporting service does this. The company also does a really good job showing you in a clear, personalized, and easy to understand way exactly what factors are contributing to your credit score. However, when compared to applications like Mint which get into the minute transaction details of all your accounts, WalletHub is more general and big picture. Be that as it may, the company has an excellent reputation among users and its real time email, text, and mobile app alerts are particularly handy.

Credit Score & Reports

Report Details and Frequency - 4 / 5

WalletHub is the only online credit reporting service we are aware of that allows you to monitor changes to your score and report on a daily basis for free. Most services, especially free services, will update you monthly or quarterly. This is of particular interest to customers wanting to break down how their activities affect their credit in the most minute detail. WalletHub provides you with your TransUnion report, so if you want to monitor your Experian and Equifax score you'll have to look elsewhere. Additionally, as with so many online credit services, WalletHub uses the VantageScore model, not the official FICO score. Although many lenders are increasingly taking the VantageScore into account, the vast majority still use the official FICO score. This is why patrons of websites like WalletHub and Credit Karma are often surprised to discover the score they got from said website does not match the score used by whichever financial institution they are dealing with to get a loan, buy a car, etc.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Credit Bureau & Credit Scores - 4.5 / 5

WalletHub is a great, free tool for monitoring your credit report and credit score, and learning about personal finance overall. The company's credit analysis feature is a great way for customers to learn exactly what they need to do to improve their credit score. However, you will not have the ability to see what's happening within individual accounts. WalletHub also does not offer anything in the way of identity theft protection or dispute resolution, but this is common for free services. Finally, WalletHub's alerts are excellent for a free service, as they will notify you immediately of any change to your report via whichever method you select.
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Historical Score Tracking

WalletHub Plans & Pricing

Plans and Pricing - 4 / 5

WalletHub is a totally free service. You will not need to provide any payment information and the credit inquiries will not affect your score. However, as with similar sites, by signing up you agree that information on your creditworthiness will be passed on to WalletHub's advertisers. You will be offered financial products customized to your credit score and report. If you sign up for one of these products, WalletHub then gets paid.
Free Report Offered?
Yes

WalletHub Reputation & Support

Monitoring and Extra Features - 4 / 5

Although WalletHub has an A grade with the BBB, this is only based on one review. The company, however, has a generally favorable reputation across other review sites and a solid Trustpilot score. Since WalletHub is a genuinely free service (they ask for no credit card or for you to purchase anything) you can never be charged monthly or yearly subscription fees without your consent, a common scam with "free credit report" websites. Customers who praise WalletHub cite the free daily score, free online tools, and handy alerts through text, email, and mobile app.
Mobile App
Yes
Alert Methods
Text
Email
Mobile App

Customer Feedback

BBB Rating
A
Trust Pilot Rating
8.4 out of 10
Date Collected
2017-12-27

Contact & Additional Company Information

Year Founded
2015
Homepage URL
Headquarters Address
818 18th Street, Washington DC, 20006

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84 Customer Comments & Reviews

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jacklynpaletta
11/1/2025
I reached out to several Credit Repair agencies before I contacted FIVE STAR CREDIT SPECIALIST. I must say from the start Kevin was very polite, professional and human. The previous company I heard from scared me to death, then insulted me about my credit score. He jumped right to the money before explaining how it all works. I believe I found the right help with FIVE STAR CREDIT SPECIALIST. Kevin truly made me feel secure enough to begin this journey. Excited about my future with FIVE STAR CREDIT SPECIALIST. Thanks Kevin! This is my greatest life achievement.


kf7958482
10/24/2025
Pinnacle credit specialist provides a way for the little people to do big things when it comes to credit. I suggest anyone under a 700 for a credit score to invest their time in PINNACLE CREDIT SPECIALIST. Trust me it's worth it.


robertgrossbart6
10/18/2025
Since using PINNACLE CREDIT SPECIALIST my credit has improved 110 points. They have been able to file disputes for all inaccuracies on all 3 of my credit reports and most have been amended in my favor. Pinnacle credit specialist is incredible and highly recommended.


wesleyehlers629
10/12/2025
Hello everyone, I’m new here. I’m 23, in the navy now. It actually feels good to have a worthy credit profile. I want to use this time to appreciate PINNACLE CREDIT SPECIALIST for helping me out of a bad credit report that made my life miserable. I kind of ruined it when I was 18. My Experian score was 562, I had a loan of $4,848.12, yes, I know I suck at money but I’ve been doing a little better than how I was before so save the shit talking pls I’m trying lol. Anyways I also do have a collection of $621 and a closed loan from affirm for $886. I also had my first hard inquiry on August 21, 2025. I needed some honest advice and feedback about how I could fix my credit. Pinnacle Credit... Read More


richarddonahey00
9/25/2025
So far, pinnacle credit specialist has been helpful & knowledgeable. As soon as I hired them right away, they helped get Comcast negative marks that were incorrect off my FICO score & they also removed one of the collections I got from an eviction due to my ex lying to me about actually paying the rent before we moved. It's not that expensive, only $1k and one-time payment, the most amazing thing is you can pay after they fix your credit and you get a credit card. Go for PINNACLE CREDIT SPECIALIST and save thousands on future loan rates. So far, I find it worth it because I’ve applied for a few cards which are in my wallet right now. Chase Sapphire- CLI $13,000, Chase Unlimited Freedom-... Read More


nicolerenee635
9/22/2025
So far, my score has gone up well over 800+. PINNACLE CREDIT SPECIALIST has changed my life and has gotten me one step closer to buying a home for myself and my family. Here is the evidence. I highly recommend you call them today! They restored credit and changed my life. Thanks!


andrewdeiss2
9/18/2025
Right from the start, I contacted PINNACLE CREDIT SPECIALIST, the representative answered all my questions, and explained everything to me. I decided to go with the 14-days program, and it hasn't been up to 7 days yet, and already two collections have been removed. The entire staff has been very helpful, kind, and efficient. I was very skeptical, asked lots of questions, and they were very quick to respond no matter what time or day, I have questions or concerns. I am very happy with the progress they are making with repairing my credit. I highly recommend Pinnacle Credit Specialist, they are no nonsense, quality driven, and they get results really quick. This is a legit company, they do... Read More


christinajepson5
9/15/2025
When I first met PINNACLE CREDIT SPECIALIST, I was in the process of buying a Used Car, but after talking to him about my Credit we agreed to repair my credit. I am so glad I did, not only did I get a better credit score and bad credit removed, I was able to buy myself a brand-new Truck, not a Used one. I have never owned a New Vehicle in my Life. Thank you, Jesus, for putting Pinnacle Credit Specialist in my Life. I am referring everybody that I think needs help!


lausteele
8/28/2025
WHY is wallethub monitoring my credit report without my permission? I do not know who they are nor do i want to know just want them to stop. contacted or tried to contact them and they have been receiving inquiries on a frozen credit report for at least a year. WHY????? i want it to stop and cant get them to stop. I have contacted the WASHINGTON STATE ATTORNEY GENERAL OFFICE TO SUE THEM. CANT WAIT TO SUE THEM.......


seanhoar77
4/10/2025
Are you tired of struggling with credit report issues? I was too—until I found Pinnacle Credit Specialist. I had an eviction on my credit report and a low FICO score of 550, which held me back for years. Then I came across a Google forum filled with testimonials about Pinnacle Credit Specialists. Skeptical at first, I decided to reach out—and it turned out to be a game-changer. They raised my FICO score to an excellent 816 and successfully removed the eviction from my report. Affordable, reliable, and always ready to assist, Pinnacle Credit Specialist truly delivered. Their office is located at 12400 La Guardia Ln, Del Valle, Texas. Book an appointment today, and don’t forget to mention I... Read More



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