{"app_store_id":1008234539,"slug":"capital-one-creditwise-1008234539","name":"Capital One CreditWise","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/bc/0c/ed/bc0ced60-07fa-4770-7c6a-ea4c96ee1bab/AppIcon-0-0-1x_U007emarketing-0-5-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/capital-one-creditwise/id1008234539?uo=4","price":0,"currency":"USD","rating":4.83729,"rating_count":309941,"in_app_purchases":null,"recent_rating":2.4,"recent_review_count":20,"reviews_checked_at":"2026-10-20T23:29:12.762Z","primary_genre":"Finance","version_date":"2026-09-29T19:16:18Z","updated_at":"2026-10-20T23:29:12.762Z","stale":false,"missing_since":null,"one_liner":"Free app that shows credit score and report from TransUnion, with score alerts, a credit simulator and dark web alerts.","verified_maker":false,"maker_site":null,"file_size_bytes":170213376,"minimum_os":"17.0","content_rating":"4+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/34/21/65/34216586-2d03-d9c3-98c8-67d8183ccca3/1_SixDotNine_Summary.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/58/b9/ca/58b9ca31-85b6-8e59-3546-5388eb85d847/2_SixDotNine_Report.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/09/67/45/09674588-fb98-a234-fcd4-23ee9ea21651/2_SixDotNine_Report.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/96/cf/3d/96cf3dc8-7e76-22a1-6261-8c8920fa7a51/3_SixDotNine_PersonalInfo.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/61/59/8e/61598e76-8640-c753-fd32-94b0aecae28e/3_SixDotNine_PersonalInfo.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e0/ec/58/e0ec58f2-9a1b-ce30-3166-333b516cb50b/4_SixDotNine_Simulator.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5f/e4/83/5fe48349-0de2-fe55-681d-db591a1725cd/4_SixDotNine_Simulator.png/320x480bb.jpg"],"developer_name":"Capital One Services, LLC","editors_choice":null,"url":"https://apptierlist.com/apps/capital-one-creditwise-1008234539/","api_url":"https://apptierlist.com/api/v1/apps/capital-one-creditwise-1008234539","schema_version":"1.0","generated_at":"2026-10-21T21:23:26.982Z","data_as_of":"2026-10-21T00:40:12.960Z","description":"CreditWise is a free credit monitoring tool that could help you improve your credit score.\n\nWe believe in empowering people with the tools to effectively monitor and manage their credit, no matter where they are in their credit journey. Using CreditWise won't hurt your score.\n\nWith 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 dark web alerts to help you take action when your information is detected somewhere suspicious.\n\nSign up for CreditWise and receive:\n ● Updates as frequently as daily to your TransUnion-based FICO Score 8.\n ● Access to your TransUnion credit report to look for signs of error, theft or fraud.\n ● Alerts if your Social Security number or email address are found on the dark web.\n ● Clarity on how certain everyday decisions may affect your credit score with the Credit Simulator.\n ● Helpful breakdowns of the key factors that make up your credit score and how you’re doing on each of them.\n ● Suggestions to help you improve your credit score.\n ● Alerts about select changes to your TransUnion or Experian® credit reports.\n ● Alerts if any new names or addresses were associated with your Social Security number on a credit application.\n\nEver 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.\n\nCreditWise 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.\n\nThe 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.\n\nAlerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.\n\nThe CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.","facts":{"developer_id":339644101,"developer_url":"https://www.capitalone.com/credit-cards/benefits/creditwise/","first_released":"2015-11-02T15:29:59Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"1.159.0","release_notes":"Here is what's included in our latest update:\n\nWe made some performance improvements to make your experience better throughout the app.","rating_current_version":4.83729,"rating_count_current_version":309941,"star_counts":null,"genres":["Finance","Productivity"],"languages":["EN","ES"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-20T23:29:12.762Z","catalog_read_at":null,"reviews_checked_at":"2026-10-20T23:29:12.762Z","summary_written_at":"2026-10-17T09:21:13.389Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-21T00:40:12.960Z"},"editorial":{"one_liner":"Free app that shows credit score and report from TransUnion, with score alerts, a credit simulator and dark web alerts.","what_is":"CreditWise is a free credit monitoring app from Capital One. It provides access to a FICO Score 8 based on TransUnion data and a TransUnion credit report, with alerts about changes to credit reports and dark web findings. A Credit Simulator estimates how everyday financial decisions could affect the score.","good_for":["Checking a FICO Score 8 and TransUnion report for errors or fraud","Estimating how opening a new credit card might affect your score","Getting alerts if your Social Security number or email appears on the dark web"],"pricing":"Capital One CreditWise is free to download on the App Store.","faq":[{"q":"Do I need a Capital One account to use CreditWise?","a":"No. You do not need to be a Capital One account holder to sign up for CreditWise."},{"q":"Who is eligible to sign up?","a":"It is available to every adult aged 18 or older residing in the US with a Social Security number and a report on file at TransUnion."},{"q":"Will using CreditWise affect my credit score?","a":"Using CreditWise won't hurt your score. The Credit Simulator estimates score changes and does not guarantee how your score may change."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T09:21:13.389Z"},"memberships":[{"list":"credit-monitoring","list_name":"credit monitoring","list_status":"active","list_url":"https://apptierlist.com/best/credit-monitoring/","position":5,"tier":"A","score":85.7,"components":{"rating":96.7,"votes":94.9,"rank":51,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"credit-monitoring","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":116622,"at":"2026-10-16T02:39:51.804Z","kind":"tier_changed","list":"credit-monitoring","app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":null,"to":"A","reason":"checked from the list's side: ranked #4","job":"rescore"},{"id":106340,"at":"2026-10-15T14:59:00.691Z","kind":"tier_changed","list":"credit-monitoring","app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":46403,"at":"2026-10-09T17:18:33.693Z","kind":"tier_changed","list":"credit-monitoring","app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":"C","to":"A","reason":"score 85.7","job":"rescore"},{"id":38755,"at":"2026-10-09T08:38:03.422Z","kind":"tier_changed","list":"credit-monitoring","app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":null,"to":"C","reason":"score 72.9","job":"rescore"},{"id":26824,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"credit-monitoring","app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":null,"to":"active","reason":"Free FICO Score 8 and TransUnion report access with alerts on report changes, dark web alerts, and new names or addresses on credit applications.","job":"fill"},{"id":21141,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1008234539,"app":"capital-one-creditwise-1008234539","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-monitoring","list_name":"credit monitoring","status":"active","review_status":"checked","position":5,"tier":"A","score":85.7,"components":{"rating":96.7,"votes":94.9,"rank":51,"recency":100},"ranks":[{"country":"us","rank":6}],"verdicts":[{"verdict":"keep","reason":"CreditWise is primarily a free credit monitoring app. It provides a FICO score, a TransUnion report, and alerts on report changes, the same core purpose as Credit Karma and Experian.","verifier":"list check","decided_at":"2026-10-16T02:34:51.805Z","attempts":1,"current":true},{"verdict":"keep","reason":"Free FICO Score 8 and TransUnion report access with alerts on report changes, dark web alerts, and new names or addresses on credit applications.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":40293,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/capital-one-creditwise-1008234539/"}}