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Capital One CreditWise
Capital One
Your credit score, simplified
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Description
CreditWise is a free credit monitoring tool that could help you improve your credit score.
We believe in empowering people with the tools to effectively monitor and manage their credit, no matter where they are in their credit journey. That's why CreditWise is completely free. Plus, using it won't hurt your credit score and you won't ever be asked to enter a credit card number.
With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free access to identity theft monitoring tools—like dark web alerts—to help you take action when your information is detected somewhere suspicious.
Get free:
● Updates as frequently as daily to your TransUnion-based FICO Score 8.
● Access to your TransUnion credit report to look for signs of error, theft or fraud.
● Alerts if your Social Security number or email address are found on the dark web.
● Clarity on how certain everyday decisions may affect your credit score with the Credit Simulator.
● Helpful breakdowns of the key factors that make up your credit score and how you’re doing on each of them.
● Suggestions to help you improve your credit score.
● Alerts about select changes to your TransUnion or Experian® credit reports.
● Alerts if any new names or addresses were associated with your Social Security number on a credit application.
Ever wanted to know the impact of certain financial decisions on your credit score, before you make them? CreditWise has a tool for that. Use the Credit Simulator to see how different scenarios—like opening a new credit card—could affect your FICO Score 8. Knowing how certain actions could impact your score may help you establish, maintain and build credit for more financial stability.
CreditWise is free, fast, secure and available to every adult who is 18 or older residing in the US with a Social Security number and a report on file at TransUnion. Download the app today and take control of your credit.
The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion® data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.
Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.
The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.
Information
Bundle IDcom.capitalone.credittracker2
SellerCapital One
Min iOS17.0
Content rating4+
Released2015-11-02
Version history 25 recorded
1.152.0
2026-06-01
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.151.0
2026-05-14
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.150.0
2026-05-05
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.149.0
2026-04-23
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.147.0
2026-03-16
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.146.0
2026-03-03
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.145.0
2026-02-02
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.144.0
2026-01-21
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.143.1
2025-11-17
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.143.0
2025-11-10
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.142.0
2025-11-05
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.141.1
2025-10-22
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.141.0
2025-10-14
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.140.0
2025-10-01
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.139.0
2025-09-10
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.138.0
2025-08-26
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.137.1
2025-08-14
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.137.0
2025-08-06
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.136.0
2025-07-21
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.135.0
2025-07-07
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.134.0
2025-06-10
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.133.1
2025-05-16
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.133.0
2025-05-09
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.132.1
2025-05-01
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
1.132.0
2025-04-28
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
Region availability 1 of 1 storefronts
| Store | Price | Ratings | Avg | Version |
|---|---|---|---|---|
| US | Free | 306.1k | 4.8 | 1.152.0 |
Reviews 20 recent
★★★★★ Must Have - Best Credit Data — Ralichka
I have all three credit bureau apps, and none compare to the Capital One CreditWise App when it comes to useful data. You have so much more access to all your account data and more detailed data on CreditWise, than any other Credit App out there. I’ve tried a ton, and this is FREE… so you can’t go wrong with CreditWise. I’m not positive if you have to have a CapitalOne account, but if so, open a FREE checking and/or savings account with Capital One, which has some of the best rates anyway, an
★★★★★ Helping to protect and Repair — They will steal your $
If you’re in the process of rebuilding, or keeping an eye on your credit, due to identity, theft, or other, definitely check out credit wise.
I am using CreditWise for both. Unfortunately, I had my identity stolen, which, if you’ve never gone through that, it’s the worst. But luckily, for me, truly, credit wise, notifies me anytime there’s an alert or change on my credit report. It keeps me aware of what’s happening in real time. real time really matters if you’re dealing with identity theft. B
★★★★★ CreditWise App Now Offers TransUnion FICO 8. A Major Upgrade! — David’s IPhone 14Promax
Capital One’s CreditWise app just got a massive upgrade—and it’s a game changer for anyone serious about their credit! CreditWise now provides your TransUnion FICO Score 8, the same score model used by most lenders when making credit decisions. This is a huge step up from before, when CreditWise only offered the VantageScore 3.0, which was mainly for educational purposes and not typically used by lenders.
Why This Matters
•FICO Score 8 Is What Lenders Use: About 90% of top lenders rely on FICO s
★★★★★ Goals are Motivating — Cookies Daughter
It took a lifetime, I am 83, but I actually realize now why my wife who passed in 2013 was so diligent to maintaining a high credit score! Since her passing, not sure why, I simply lived day by day and if something took place that distracted me, I would forget altogether about what was due and to whom it was due… nothing seemed to matter at the time! Thank you CreditWise for the opportunity to make My Catherine proud of me again. I know I am no where that I need to be, I know that l’ll have to b
★★★★★ It’s a well made app — Fouad Alkisswani
Good suggestions to improve credit generally clear, and easy to understand, especially since credit reports are not straightforward one gripe, though in the settings menu there’s an option to change address but when you click the person info screen to do so, there is only the option to modify email. In reality changing your email on a credit reporting app wouldn’t do anything anyway, so I would recommend just removing the option.
I appreciate that capital one didn’t try to monetize the app lik
★★★★★ The keep up when your balance rises and FORGETS when you pay it down — Kaf001
I complained about paying my credit card down to zero and it not reflecting for weeks after being paid down on the credit bureau. Of course they use the one month reporting cycle has the reason.. so I waited for the date they told me that it would be updated which was September 12… now September 12 arises and credit wise shows up-to-date as of September 12 and capital one still reports my balance high when it’s been paid down for almost a month… somehow this mistake never happens when your balan
★★★★★ Would rate 0 if I could — Annoyeduser00975
Credit Wise is a dodgy service. First, the score they provide has never been in close proximity to my actual score from TransUnion. Second, because of their error, I have been locked out of my Capital One account for several days. I used to have accounts with Capital One and Credit Wise. I closed such accounts. A few years passed. I changed my name legally. I opened a new account with Capital One. I did not sign up for Credit Wise again, but it was an included feature on the Capital One app. Cre
★★★★★ Capital One-Credit Wise — Ganiece
I recently applied for a Capital One credit card and instead of totally dismissing me I was gifted Capital One Credit Wise. It’s full of useful tips including a financial simulation that shows you exactly how to increase your credit score. You can access your credit report and easily dispute incorrect personal information, current card balances and payments. Overall Capital One is keeping potential future customers close and providing tools necessary to ensure approval once financial goals ha
★★★★★ Terrible app — sdsxzs
I’m not sure about the glowing reviews on this. This will give you a good “idea” of your score, but the way it simulates credit is a joke. If you enter in credit simulations like “I want to pay off my credit card debt” you will see ZERO change in score, but it sure will show you what will happen to your score if you do anything negative. The reason I deleted this app is due to the fact that their reporting using VantageScore 3.0 is garbage. Do not trust that at all. And yes, I know VantageScore
★★★★★ Apply for a credit card with capital one! — Nickki Champ
It is legit a great way to build your credit quickly! The first day, my credit went up 89 points! I was amazed! It will help! Pay your bill early as you go! When you do that and have 3 bigger bills you’ve used the credit card for, your score rises, with ON time payments, especially, early payments! If you pay as you go, don’t over spend, don’t spend frivolously, you’ll be just fine! Use your job money for paying off your credit card, use your credit card for bills! Sure, use your credit card for
★★★★★ Not even correct with their own card! — The1jazzybabe
Capital one is not even correct with their own card on this app. My cards are paid off and credit wise still after 3 weeks and another reported month, they are still not correct. Not worth the effort to download.
If this app got things correct it might have a chance at 3 or 4 stars. Update: app took 2 months to get it all correctly done. As I see my credit score increase the app tells me to consolidate my cards in to one card and use their service to apply for it. So it seems as if they only wa
★★★★★ Ms. Alvarado regarding credit wise — chinadoll1234.
Hello, to whom it may concern I have been a subscriber of credit wise for over 6years now. I love credit wise because it has helped me keep track of my credit in many ways. Some ways credit wise has helped for example is knowing what’s on my report, such as what positive accounts I have vs negative. In addition it also shows my score on a weekly basis which has been a great help and peace of mind knowing exactly where I stand with my credit. One this I love the most about credit wise is that the
★★★★★ Not updating — Lmontero66
I’ve been sent e mails that my fico score is going up? But when I check by either going through the e mail link to my app or go through my app, there is no change.
Also my credit card balance shows a 442
For all my credit cards but when you go into looking at all the cards I do have they are at zero balance as they should be all cards have been paid off since June 2020
I know it takes about a month to refresh your actual balance, but we are now in June ! If you could fix it, that would be great
★★★★★ Misleading! CapitaOne doesn’t use these ratings for their assessment — Sofy Shu
Super upset about my recent experience. Based on CreditWise score I have had an ‘excellent’ score for some time now (with a headroom), so based on this, I applied for a Capital One credit card which requires ‘excellent score’. I was declined, due to insufficient score. It turns out, Capital One uses a different provider for their application screening and that provider somehow had a materially lower score for me, which put me just below the threshold of the ‘excellent’ qualification. Not only d
★★★★★ Slow Credit Update — GrannySmith18
Three months ago I paid off all of my debt and I was really excited to see that reflected in my credit score. Within 2 weeks Turbo Tax was notifying me of changes to my score as each of my zero balances were reflected to the credit bureaus. Every single time, I would check my Credit Wise app hoping to see the update. But ever time I signed in, every weekly update was the same “no change.” Today makes a little over 3 months that debt has been paid (the length of time Capital One tells you it take
★★★★★ Best card out there — derrick d
So a year and a half ago I gave $99 and got a $200 secured card with a credit score of 519. I got got a credit line increase of $300 about 6 months later and now after a year and a half I am up to $1500 credit line and also got accepted for a $500 UNSECURED card with 0% apr for the first year and 2% rewards on every purchase and my credit went to 714!!! This is the number one best credit building card there is!!! But don’t be fooled by CREDIT ONE, they try to look like CAPITAL ONE! And I recomme
★★★★★ Great Apps. Could be improved. — Hoop228
Would rate 5 stars compared to other credit monitoring apps. But the app could be improved. Great app for checking your credit score. Could do more to make it easier to understand what is affecting the score. Also would be nice if you could provide tips for people with low scores on what changes they need to make to their credit that would allow them to be accepted for financing a home or car with capital one or one of its lenders. Which as a result could lead to benefits for Capital One as wel
★★★★★ Wonderful Credit Tool To Use — Asileven
I had gone through some tougher periods in life and my credit score reflected it. This app has been such a helpful tool (especially with the simulator) to understand what makes my score go up, go down, etc. It’s also given me a peace of mind knowing what my score is exactly at any given day. I love getting notifications knowing when someone pulls my score to knowing when my score changed. The newest update, which explains step by step why it moved the way it did, makes it even easier to understa
★★★★★ Score isn't accurate — Kandi Yams
I actually like this app, I use it because it's connected to my Capital One credit card account but the score it shows isn't accurate. I just paid $2151 to pay off 1 credit card and $1000 to pay off another, I was going to purchase a car at the end of they year because I'm waiting on my credit score to go up. In January it said it was 564, I made 2 small payments of $500 and $300 to 2 cards and it jumped 50 points to 614. So I'm like oh once these last 2 payments are made it's gonna go up to 653
★★★★★ 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 serious