Capital One CreditWise

Capital One CreditWise

Your credit score, simplified

308K ratings
385 reviews
With Ads#121 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • November 2, 2015
  • July 22, 2026

Features

Capital One CreditWise screenshot #1 for iPhone
Capital One CreditWise screenshot #2 for iPhone
Capital One CreditWise screenshot #3 for iPhone
Capital One CreditWise screenshot #4 for iPhone
Capital One CreditWise screenshot #5 for iPhone
Capital One CreditWise screenshot #6 for iPhone
Capital One CreditWise screenshot #7 for iPhone
Capital One CreditWise screenshot #8 for iPhone
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About

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

Free FICO® Score 8 access
TransUnion® credit report access
Dark web alerts for identity theft
Credit Simulator for financial decisions
Credit score factor breakdowns
Suggestions for credit improvement
Credit report change alerts
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What users say

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What's New in Capital One CreditWise

1.155.0

July 22, 2026

Here is what's included in our latest update: We made some performance improvements to make your experience better throughout the app.

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Charts

Top Free

📉 121-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 9, 2026.

User reviews

False Alarm

Received an email from CapitalOne that my SSN was found on the dark web and I should load Credit wise to see where and how it was being used - so I did - BUT NOTHING - no notifications, no information about bad actors - zip- nada - nothing - this kind of threatening email has to STOP.

Information outdated

No way to update virtually

Need People to Speak With

I need assistance with Financial Abuse. My former husband is withholding funds & it is negatively impacting my credit score because I need the credit cards in order to buy items & until he pays me the money owed I cannot pay them back. I though this settlement would be finished by now, & he is dragging it along now for 8 months. I have legal fees to deal with this, I have a car payment because I need a car & my daughters’ birthdays are in the summer. I needed new clothes for a new job & I am struggling because of him. I need help. I have always had excellent credit. My family is also abusive, did not want me to leave him & will not help me out.
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Outdated

Long after my credit rating on other apps went to exceptional this app languished in the low end of good. I’m so much better than they will ever know, haha

Bravegil

5 Star

Developer apps

User experience

🐞

Reported Bugs

3 issues

Account lockouts with no resolution

Bug

Inability to update personal information

Bug

Incorrect credit balance reporting

Bug

Requested Features

4 requests

More frequent credit score updates

Feature

Improved credit report dispute process

Feature

Better integration with other credit monitoring services

Feature

Expanded credit score simulation options

Feature

FAQ

What does Capital One CreditWise do?

CreditWise is a free tool that helps you monitor your credit score and report. It provides access to your FICO® Score 8 and TransUnion® credit report, offers alerts for potential identity theft, and includes a simulator to show how financial decisions might impact your score.

What are the key features of CreditWise?

Key features include daily updates to your FICO® Score 8, access to your TransUnion credit report, dark web alerts for your Social Security number and email, a Credit Simulator, breakdowns of credit score factors, and alerts for changes to your credit reports.

Is Capital One CreditWise free to use?

Yes, CreditWise is completely free to use. You will not be asked to enter a credit card number, and using the app will not hurt your credit score.

Who is eligible to use CreditWise?

CreditWise is available to any adult 18 or older residing in the US who has a Social Security number and a credit report on file with TransUnion. You do not need to be a Capital One customer to sign up.

How does the Credit Simulator work?

The Credit Simulator allows you to explore the potential impact of various financial decisions, such as opening a new credit card, on your FICO® Score 8. It provides an estimate of score changes, helping you understand how different actions might affect your credit health.