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Description

Know your credit score and much more

Capital One CreditWise® is a free tool to check and monitor your credit score and it’s AVAILABLE TO EVERYONE not just Capital One® customers. Use CreditWise to understand what makes up your score and find helpful ways to take action to improve it. If your score is where you want it to be, use CreditWise to keep an eye on your accounts and get alerts when something changes on your TransUnion® credit report.

Used by millions of Capital One customers, CreditWise (formerly CreditTracker) is key for anyone who wants to know, improve, or monitor their credit score. Using CreditWise won’t hurt your score, and you won’t ever be asked to enter a credit card number.

All features are free:
● Weekly TransUnion® VantageScore 3.0 credit score.
● Review your credit report from TransUnion® to look for signs of error, theft, or fraud. Your credit report includes open/closed accounts, balances, hard inquiries, personal information, and public records that have been reported to TransUnion®.
● Use the Credit Simulator to see how everyday decisions affect your credit score.
● Learn about the key factors that make up your credit score and how you’re doing on each of them.
● See personalized suggestions to help improve your credit score.
● Get alerts letting you know about changes to your TransUnion credit report.
● Simple, everyday tips on how you can take control of your credit.

Prepare Before You Act

How could closing a credit card account affect your credit score? How much could your score change if you pay off half your credit card debt or all your debt? See how these decisions could impact your score before you act by using our Credit Simulator.

Frequently Asked Questions

Q: Can everyone access the CreditWise app?
A: Yes. You just have to be 18 or older.

Q: Does using CreditWise hurt my credit score?
A: No. You can utilize all of CreditWise's free tools and features without hurting your score.

Q: How can I use my CreditWise credit score?
A: Your CreditWise score is a good measure of your credit health and its progress. And just like any score from any source, chances are your CreditWise score won’t be exactly the same as the one your lender uses. That's because lending decisions are complex and consider a number of different factors and scoring models.

Q: I'm already enrolled in Capital One CreditTracker. Can I use the same username and password?
A: Yes. If you've already enrolled in CreditTracker, use the same username and password that you use to sign in to service your accounts on CapitalOne.com or to access the Capital One Mobile servicing app.

What's New

Version 1.10.0

Here’s what’s included in our latest update:
· Bug fixes and general enhancements to improve your experience

Customer Reviews

4.8 out of 5

68.5K Ratings

68.5K Ratings

Incredible customer service

Jaybirds Dad

I am a 59 year old male that is slow with the modern day technology. I am trying to rebuild my credit score and needed a credit card to start the process. I couldn’t figure out how to work the online application. I went to my local Capital One Bank branch this morning. I was immediately greeted by Maria Green at the Waldorf Maryland location. She first offered me a beverage as I was a friend visiting her home. Maria patiently assisted me while I was trying to set passwords on the computer and not hitting the correct keys. All said and done. I verbally let her know what I desired to accomplish during my visit and she patiently assisted me for over a hour. She also noted that I would be able to accomplish my goals best by setting up a direct deposit account with Capital One Bank to insure my credit card would automatically be paid up on time. I also set up a savings account to insure I would have the credit line paid on time. I have read other reviews and I am appreciative of Capital One for helping people to reestablish there credit scores. Thank you Maria Green at Waldorf Maryland and thank you Capital One for offering products that help the average person in need of a second chance.

John Zweifel
Waldorf Maryland

Helpful Free App for Credit Monitoring

Bobbyjj1

CreditWise is a very helpful user-friendly app for monitoring your TransUnion report. It updates weekly and allows you to view any changes, if there are any. It does provide a TransUnion-generated Vantage 3 credit score, which is usually considerably higher than the FICO scores that lenders actually use, so try not to take it overly seriously. Also, the credit simulator—which I think is also powered by TransUnion—sometimes provides some really wacky information, so try not to take it too seriously either. According to the simulator, my credit score would greatly increase if I were to allow all my bills to become delinquent for a month, and if my property would be foreclosed upon. It also shows that I’d see score gains if I were to have my wages garnished. Let’s hope that’s not accurate!

Really valuable app

Pettifogger from Boston

Very shortly after I signed up for CreditWise I received a notification that I had changed my address and applied for a new card. I had done neither so I was very concerned. I was traveling at the time, but with the information about the transactions I was able to contact the bank that was issuing the card and tell them it was fraud. I also was able to contact TransUnion and put a fraud alert on my account with all three credit reporting agencies.
I never expected that I would need CreditWise, but I am very happy that I signed up for it--all at no cost!

Developer Response

We know how alarming that must've been for you, and are beyond happy to hear that CreditWise helped you through this situation. Thanks for taking the time to review.

Information

Seller
Capital One Services, LLC
Size
67.5 MB
Category
Finance
Compatibility
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Languages
English
Age Rating
Rated 4+
Copyright
© Capital One
Price
Free

Supports

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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