CreditWise from Capital One
4.6star
111K reviews
5M+
Downloads
Everyone
info
About this app
A free credit monitoring tool that could help you improve your score
At CreditWise, we believe in empowering people with the tools to effectively monitor their credit. We do more than show you your free credit report: we back it up with targeted advice, tools and alerts to help you monitor your credit. And that's not all - CreditWise provides identity theft monitoring tools such as dark web alerts and a credit simulator to help you forecast the potential effects of your credit decisions.
Used by millions, CreditWise is key for anyone who wants to know, improve, or monitor their credit score. Using CreditWise won't hurt your score, and you won't ever be asked to enter a credit card number.
All features are free:
* Updates as frequently as daily to your TransUnion® VantageScore 3.0 credit score.
* Access to your credit report from TransUnion® to look for signs of error, theft, or fraud.
* The Credit Simulator, which helps you see how everyday decisions may affect your credit score.
* Helpful breakdowns of the key factors that make up your credit score and how you're doing on each of them.
* Suggestions to help you improve and take control of your credit score.
* Alerts about select changes to your TransUnion® or Experian® credit reports.
* Alerts if your Social Security Number or email address are found on the dark web.
* Alerts if any new names or addresses were associated with your Social Security Number on a credit application.
Popular Feature: Tool to forecast how every day decisions might affect your score
How could closing a credit card account affect your credit score? How much could your score change if you pay off half your credit card debt or all your debt? See how these decisions could impact your score before you act by using our Credit Simulator.
CreditWise is free, fast, secure, and available to every adult who is 18 or older residing in the US with a Social Security number and a report on file at TransUnion.
Sign up for CreditWise today and let us help you make a change.
At CreditWise, we believe in empowering people with the tools to effectively monitor their credit. We do more than show you your free credit report: we back it up with targeted advice, tools and alerts to help you monitor your credit. And that's not all - CreditWise provides identity theft monitoring tools such as dark web alerts and a credit simulator to help you forecast the potential effects of your credit decisions.
Used by millions, CreditWise is key for anyone who wants to know, improve, or monitor their credit score. Using CreditWise won't hurt your score, and you won't ever be asked to enter a credit card number.
All features are free:
* Updates as frequently as daily to your TransUnion® VantageScore 3.0 credit score.
* Access to your credit report from TransUnion® to look for signs of error, theft, or fraud.
* The Credit Simulator, which helps you see how everyday decisions may affect your credit score.
* Helpful breakdowns of the key factors that make up your credit score and how you're doing on each of them.
* Suggestions to help you improve and take control of your credit score.
* Alerts about select changes to your TransUnion® or Experian® credit reports.
* Alerts if your Social Security Number or email address are found on the dark web.
* Alerts if any new names or addresses were associated with your Social Security Number on a credit application.
Popular Feature: Tool to forecast how every day decisions might affect your score
How could closing a credit card account affect your credit score? How much could your score change if you pay off half your credit card debt or all your debt? See how these decisions could impact your score before you act by using our Credit Simulator.
CreditWise is free, fast, secure, and available to every adult who is 18 or older residing in the US with a Social Security number and a report on file at TransUnion.
Sign up for CreditWise today and let us help you make a change.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
Ratings and reviews
4.6
108K reviews
Bart Steed
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February 18, 2025
Helpful app but riddled with bugs. Constantly tells me I'm not connected to the internet, even though I am. I have to continuously dismiss it. It's been like this for at least a year. Also, the UI doesn't wire up properly. There are accessor paths instead of rendered values everywhere. A bit concerning. Hopefully the security side of the app is a bit more thorough.
36 people found this review helpful
Czar
- Flag inappropriate
- Show review history
April 21, 2025
provides enough information on the app (breach warnings) to facilitate information theft. last 4 of social, name and multiple phone numbers, address. it's not my info I'm seeing, but someone else's. they've doxxed numerous people with my same name in the alerts section. this is enough for access to numerous systems, cell carriers, for example. this is the publication of a data breach, and it's not okay.
6 people found this review helpful
Steve Gibson
- Flag inappropriate
March 20, 2025
Very good app for keeping up with your credit score and notifications on your credit. One feature of CreditWise that I really like in the credit simulator. It shows your credit score and the current factors that the score was based on. Then, it gives you the opposition to change various credit factors like paying off or paying down a card. or getting a new card or loan, or increasing your credit limit on a card. Then hit "simulate" and it shows how the changes you made would affect your score.
116 people found this review helpful
What’s new
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
We made some performance improvements to make your experience better throughout the app.
App support
About the developer
Capital One Services, LLC
mobileapplicationfeedback@capitalone.com
1680 Capital One Dr
Mc Lean, VA 22102-3407
United States
+1 800-227-4825
