Capital One CreditWise

Capital One CreditWise

Your credit score, simplified

310K ratings
408 reviews
With Ads#109 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • November 2, 2015
  • September 29, 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
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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

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What's New in Capital One CreditWise

1.159.0

September 29, 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

📈 109+5

Finance

This app rose +5 positions in Finance chart.

Last updated on October 15, 2026.

User reviews

Calidad del analisis

Se vuelve comico ver como el puntaje varia de un nivel a otro por solo la variacion usada de $5.00 de incremento en mis credito abierto. El análisis se pago es muy pobre. Si pagué 7 K y no lo use hasta el otro mes por cualquier razón se castiga el puntaje. Por ejemplo hoy que me bajaron 91 pts por usar mi tarjeta para reservar mis vacaciones. Gracioso o estúpido criterio. Si ocupan ampliar me pueden llamar.
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Communication

My credit score went down for reasons that are not explained by Credit Wise. I pay all my bills on time. I pay off all credit cards usually every month. I fall to see that I have done anything to cause my credit score to be reduced by 11 points. “Credit Wise, why did you lower my credit score?” Curt Gaines
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Habita

Creditwise has truly helped me establish better habits, this is greatly appreciated.

WRONG INFO ABOUT MY PAYMENTS

I keep getting accused of making late payments, which lower my score, when I always pay my credit cards off as soon as I make a purchase. I don’t even wait until I receive a statement. The only other payments I have are utilities and they are always paid on time.
This is very aggravating !!

Alerts

I’m getting an alert every month because I pay my account balance to zero every month. It makes this quite annoying and useless, there needs to be a setting so that you don’t get this useless alert because you pay your balance off every month.

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.