CreditWise from Capital One
4,5star
109K 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
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Ratings and reviews
4,5
106K reviews
Scott Liddiard
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15 November 2024
The CreditWise App worked very well up until 09/13/2024, when it simply stopped updating! In my attempts to get it to update, I tried logging out and back in many times, and even uninstalling the App and reinstalling, but the App no longer updates! So, it's no longer useful. I hope someday they can fix it. It was really nice when it worked. I reached out to Capital One support, and they sent me an email stating that they got my request, and that's where it ended. Eventually, I'll just delete it.
14 people found this review helpful
David
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10 September 2024
Good for monitoring your credit, but oddly enough if you alreadyhave good credit it can be a nuisance! My total debt ranges from near 0 to 1,000 so every change in usage is a + or - Alert, for a change that is less than 1% of my credit rating. It's going to fluctuate, a lot, because I use my credit card a lot - but also make a lot of payments. I need alerts for suspicious activity, not for insignificant changes to my score.
197 people found this review helpful
Jules O'Guin
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05 November 2024
11/05/24: Wonderful tool when building credit for first time. Allows you to learn what helps and hinders progress, and monitors your transunion credit report. Too bad they broke it. Was a GREAT app, but it no longer works on my phone. This app was something that I feel was essential to repairing my credit. I've been forced to uninstalled it and replaced it with another credit monitoring app. 5 stars when it worked, but now it doesn't.
105 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.
