# TransUnion® vs Capital One CreditWise

The clearest difference is review sentiment: Capital One CreditWise at 49% against TransUnion®'s 7%. Capital One CreditWise also leads on rating (4.8 vs 4.6) and monetization model (ad-supported vs freemium). TransUnion®'s advantage is ads (none vs shown). On price, in-app purchases, chart position and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Capital One CreditWise holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Capital One CreditWise has 311K ratings behind it against 39K, so its average is the more settled of the two. Written reviews point the same way: 7% of TransUnion®'s written reviews are positive against 49% of Capital One CreditWise's.

TransUnion® ships an update monthly, Capital One CreditWise fortnightly. Both last shipped on November 11, 2026.

## The numbers

| Metric | TransUnion® | Capital One CreditWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (39K ratings)](https://appshunter.io/ios/app/transunion/id649008868/reviews) | **[4.8 (311K ratings)](https://appshunter.io/ios/app/capital-one-creditwise/id1008234539/reviews)** |
| Number of ratings | 39K | **311K** |
| Positive reviews | 6.7% of reviews | **48.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Freemium | **Ad-supported** |
| Best chart rank | **#103** | #133 |
| Size | 152 MB | 175 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [TransUnion](https://appshunter.io/developer/649009051) | [Capital One](https://appshunter.io/developer/339644101) |

## What reviewers say

### TransUnion®

[App page](https://appshunter.io/ios/app/transunion/id649008868)

**Currently charting:** #103 Top Free · Finance (US App Store)

Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.

**Highlights:** Free credit scores, Free credit reports, Free credit monitoring, Personalized credit offers, Daily report and score refreshes, Critical credit change alerts

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Lightning-fast load times
- 🔒 Robust security features
- 👍 Useful credit monitoring

**What reviewers complain about**

- 🐛 Frequent login issues
- 💰 Expensive subscription
- 🔍 Inaccurate credit information
- 📞 Poor customer support
- 🔑 Password management problems

**Reported bugs**

- App crashes when trying to access certain features
- Inconsistent behavior between website and app
- Inability to delete duplicate entries

**Requested features**

- Ability to dispute errors directly in the app
- Detailed credit score breakdown
- Seamless integration across devices


### Capital One CreditWise

[App page](https://appshunter.io/ios/app/capital-one-creditwise/id1008234539)

**Currently charting:** #133 Top Free · Finance (US App Store)

Monitor your credit score and report for free. Get insights into factors affecting your score, receive alerts for suspicious activity, and simulate financial decisions to understand their impact.

**Highlights:** Free FICO Score 8 access, TransUnion credit report, Dark web alerts, Credit Simulator, Score factor breakdowns, Improvement suggestions, Credit report change alerts

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Inaccurate credit score reporting
- 🐛 Delayed credit updates
- 🐛 Inconsistent credit score information
- 🐛 Unreliable credit simulator
- 🐛 Requires too much personal information

**Reported bugs**

- Account lockouts with no resolution
- Inability to update personal information
- Incorrect credit balance reporting

**Requested features**

- More frequent credit score updates
- Improved credit report dispute process
- Better integration with other credit monitoring services
- Expanded credit score simulation options


## Frequently asked questions

### Is TransUnion® free?

TransUnion® is free to download, with no in-app purchases.

### Is Capital One CreditWise free?

Capital One CreditWise is free to download, with no in-app purchases.

### Which has better reviews, TransUnion® or Capital One CreditWise?

Capital One CreditWise is rated higher. TransUnion® averages 4.6 out of 5 from 39K ratings, while Capital One CreditWise averages 4.8 from 311K ratings.

### Do TransUnion® or Capital One CreditWise have ads?

Capital One CreditWise shows ads; TransUnion® does not.

### Which is updated more often, TransUnion® or Capital One CreditWise?

TransUnion® ships an update monthly, and Capital One CreditWise fortnightly. Most recently, TransUnion® was updated on November 11, 2026 and Capital One CreditWise on November 11, 2026.

### Which is more popular, TransUnion® or Capital One CreditWise?

TransUnion® currently peaks at #103 in the App Store charts, and Capital One CreditWise at #133. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*