Capital One CreditWise Reviews: Is It Legit?

Customer Experience

Positive experience48.6% of reviews
Neutral8.9% of reviews
Negative experience42.5% of reviews

~ Based on 414 written reviews from the US App Store.

What users say about Capital One CreditWise

Is Capital One CreditWise Safe?

Capital One CreditWise appears safe based on user ratings. AppsHunter Safety Score for Capital One CreditWise is 97/100.

This assessment is based on 310,450 user ratings, with an App Store average of 4.8/5.

Safety Analysis

96.6% of ratings point to a safe experience
1.9% of ratings suggest some concerns
1.5% of ratings point to a risky experience

~ Based on 310,351 App Store ratings for Capital One CreditWise.

Is Capital One CreditWise Legit?

Capital One CreditWise appears to be a legitimate app. AppsHunter Legitimacy Score for Capital One CreditWise is 100/100.

Based on 100 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

ល្អ

ល្អណាស់

Great app

This is a great app, please make a dark appearance version it would be even better

Credit Wise

The app doesn’t work that well, but whenever the app does work it works fine.

Wrong Person

I recently received an alert that my Social Security number was compromised. However, when I looked at the information on my CreditWise app, it had somebody in Louisiana and the last four digits of the Social Security number was not mine. Not sure how to correct that as I only have one Social Security number and there is no one to chat with on the app about it. Hopefully someone will contact me regarding this. 😢
Show more

STOP!!

If you send me one more notification telling me that my Social Security number has been compromised, I’m going to file a lawsuit because every time I open your stupid app and look there’s nothing that shows me anything. Any information about my Social Security number being leaked anywhere

Unsure

I don’t understand why credit wise the credit score has such a big score difference. Credit wise said it’s using TransUnion but when I go to TransUnion site it has a big different score.

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.
Show more

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
Show more

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.

Method

Why don’t you take an average over a period of time instead of a snapshot, it would be much better and would disclose a more accurate picture

Patricia Rasey

I will never co-sign for anyone again. I never did before. Didn’t understand why she quit paying on it. Don’t trust anyone.

Don't understand the rating system

I paid off my car and my credit card goes down. I owe almost no money to anybody. Understand how you arrive at that score. My final score didn't go down because I paid off my car so actually I'm getting punished for paying off my car. I something is faulty with your system.

Bob

FICA scores are always lower than true scores from other sources.

Knowing

Know your credit score + what’s out there about you, in your name, details about your residence and open credit lines, attached to your good name!

Your credit monitoring

Inaccurate your credit monitoring is months behind real time. Your scores are incorrect

Taking too long to join the app

Where can I find out about the rewards that I have? There’s no way to find out on the app.

Security Alerts / New Dark web alert

This app CreditWise has reduced my trust in it, because is sending me alerts that my email password has been compromised and it is in the dark web. I have changed my password numerous of times, but every week a new message is coming with NO proof what is the location in the dark web detected and what password they have. If is already in the dark web there nothing to worry that they will expose the information to my personal message. So I am taking this as a useless application that do not help but panic people.

Most importantly there is no way you can send them message and ask them additional information about how they detected that the password is exposed? Are they testing that the password is really exposed? Or someone added some other password and because is says password then they just declare is exposed.
Show more

Credit rating

I paid off more than 25,000 in debt more than a month ago, and you all are far too slow to reflect that change. This whole credit thing is a joke.