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Capital One CreditWise

Capital One CreditWise

Your credit score, simplified

310K ratings
418 reviews
With Ads#100 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

Released
November 2, 2015
Updated
October 26, 2026

Features

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 about Capital One CreditWise

Reviews of Capital One CreditWise are mixed: the Finance app is rated 4.8/5 from 310K App Store ratings. What users like most: helpful for credit monitoring, comprehensive features. Top complaints: inaccurate credit score reporting, delayed credit updates. Summarized from real user reviews.

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

What's New in Capital One CreditWise

1.160.0

October 26, 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

📉 100-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on November 5, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Thank you

I truly appreciate this addition to my Capital One having CreditWise available and the guidance that it gives thank you
Ffetch-reciepts

Excellent Advice

Capital One CreditWise helps you maintain a excellent score on your credit by following simple steps that CaOntal One has instructed each person to do. I am quite impressed with all of the knowledge Capital One is offering! great information for anyone who has a credit card and wants to increase their score in order to have an improved credit score going forward in my life!
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UUNC_2017

Muy bueno

Todos se hace más fácil me en canta mantenerme infomado hay 100
YRYansi R

Credit score

Ok from 478!
Mmylyft

ល្អ

ល្អណាស់
Vvithey008
See 413 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.