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WalletHub Credit Reporting Review


ConsumersAdvocate.org Rating: 4.1 / 5 (Excellent)
74 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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74 Customer Comments & Reviews

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lizabethlorie
3/27/2025
I’m a 21-year-old part-time after-school teacher earning $600 biweekly. I had an $8,000 auto loan (17.9% interest, 6-year term, $200/month) and three maxed-out credit cards: Bank of America ($1,300), Best Buy ($2,000), and Amazon ($2,000). My credit score was 550, and I needed to qualify for an apartment. After reading a recommendation about Pinnacle Credit Specialist on a Reddit credit repair forum, I decided to contact them. They responded promptly and, within 15 days, cleared all negative items from my report, including my credit card debts, while adding a positive tradeline. My score increased to 779—an excellent result. I found Pinnacle to be efficient and effective, and I’d recommend... Read More


donaldreay36
3/25/2025
Eight years ago, I found myself burdened with over $100,000 in credit card debt and credit scores in the 500s across all three bureaus. Last month, I reached out to Pinnacle Credit Specialist to address my financial situation. Their team promptly reviewed my credit report and began working with Experian, Equifax, and TransUnion to resolve inaccuracies and late payments. As of today, my final late payment has been removed, resulting in significant improvements: Experian at 804, Equifax at 821, and TransUnion at 809. Pinnacle Credit Specialist’s expertise was instrumental in repairing my credit, an achievement I’ve now experienced twice with their assistance. I am committed to maintaining... Read More


samanthagiberson49
3/13/2025
Hello, everyone, I’m Samantha from Florida. I’m so grateful to PINNACLE CREDIT SPECIALIST for such wonderful work. I had three credit cards to which I pay my bills closely in most cases on due dates through pre-authorized debits. I also have a good mix of credit which is student loan but still have been deprived of a car loan. Although most of the negative items will be removed in a few months (about a year) time. I have a credit score of 482 with so many derogatory items that are from 3 years ago. I couldn't condole it anymore as most of my colleagues at work have their personal cars. I felt in despair most times considering my predicament. After quick research of a hacker called:... Read More


edwardhadley9
3/9/2025
Hi, my name is Edward Hadley. My credit was deeply a mess. I saw a few people praising PINNACLE CREDIT SPECIALIST. So, I got in touch with him immediately and he hinted me up with some few details, and increased my credit score to (TransUnion 794, Equifax 790, Experian 791) within 15 days. I had some Charge off, medical bills, credit card debt of $8k and inquiries which have been wiped off by Pinnacle Credit Specialist. I genuinely recommend him as the best credit specialist.


howardberkson4
3/5/2025
Well, nothing to really say, but thanks to PINNACLE CREDIT SPECIALIST, I did it! After having a 620-credit score 11 years ago, car repo etc. I finally settled down with a Pinnacle Credit Specialist who helped me pay all my shit and now my score is 809. It feels good, I still can’t believe Pinnacle Credit Specialist did it for me.


mashakennedy4
2/6/2025
I’m gonna be lazy and try to explain as fast as possible. Long time ago I had a credit card, a cox account, a Verizon account and after I lost my job, they all went to collections and the cc account was closed making me lose my credit history. I went from 640 to 430. Fast forward today I’m at 803 with 2 credit cards and no debt. All thanks to PINNACLE CREDIT SPECIALIST who cleared all the debt on my credit profile and eventually raised my scores over 800ish across the three-credit bureaus. now my credit looks so good.


cherylstein55
1/4/2025
Happy New Year!!! Don’t forget to repair your credit report for your future and that of your family. I will advise you to get in touch with PINNACLE CREDIT SPECIALIST to get your credit fixed. I had two different credit reports, one was 550 and the other was 570. I wanted to raise both of those to at least 700. I had 2k in collection and 1k in collection and owed like 6k in student loans and had 7 hard inquiries. I needed some hard advice on how to raise my credit scores, but it wasn’t possible until I found the right one called Pinnacle Credit Specialist. He helped me remove all hard inquiries and raised my credit scores to 790 excellent scores within 9 days. He also deleted the student... Read More


marcelsteward308
12/14/2024
Thank you PINNACLE CREDIT SPECIALIST for all your help. I got a new credit card limit with the sum of $10k with a positive tradeline on my credit report within a few weeks. He also helped me raise my credit scores over 207 points. He also deleted all negative items on my credit report. He made my life better and easy without any regrets after working with him. I really appreciate all he has done for me.


johncantrell393
12/7/2024
I'm grateful for the personalized attention, regular updates, and seamless communication. Pinnacle Credit Specialist exceeded my expectations in every way.


jeremyreis935
12/3/2024
All thanks to PINNACLE CREDIT SPECIALIST. Their team's expertise and diligence led to the deletion of multiple negative items, inquiries, collections, and even a student loan from my credit report. The level of professionalism and efficiency displayed throughout the process was truly impressive.



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