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Capital One CreditWise

Capital One CreditWise

Your credit score, simplified

308K ratings
381 reviews
With Ads#119 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • November 2, 2015
  • July 15, 2026

Developer

Capital One
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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

Summarized from real user reviews of Capital One CreditWise. Based on 308K reviews and a 4.8/5 average, it highlights the 6 positives and 6 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Helpful for credit monitoring
  • 🚀Comprehensive features
  • 💡Useful credit simulator
  • 🔒Secure app
  • 👍Easy to use
  • 👍Effective for credit building

Negative things

  • 🐛Inaccurate credit score reporting
  • 🐛Delayed credit updates
  • 🐛Inconsistent credit score information
  • 🐛Unreliable credit simulator
  • 🐛Requires too much personal information
  • 🐛Difficult to resolve credit report issues
See all reviews
+1

What's New in Capital One CreditWise

1.154.0

July 15, 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

📉 119-5

Finance

This app dropped -5 positions in Finance chart.

Last updated on July 20, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Bravegil

5 Star
BravegilBravegil

Not user friendly

Tried repeatedly to open account because site stated I already had an account. Went through several different steps to change password and wanted to update email. None of which worked.
JAB2507JAB2507

Not impressed

App won’t load and sends emails about my credit score going up 15 but only went up 2. Then when I do try to open the app, it won’t load and kicks me off the app. Terrible app
BlackLivesSuckBlackLivesSuck

Are Credit Scores held artificially low?

My score on CW is in the mid 600’s and no matter what I do, it will not go above a certain point. My score on Experian is in the mid 700’s. Why the difference, is it because Capital One is trying to push more CC? It makes no sense.
JCKretzJCKretz

Good

They’re pretty good I’m satisfied with them
Luis RosasLuis Rosas
See 376 more reviews

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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.