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Capital One CreditWise app icon#5in Credit Monitoring

Capital One CreditWise

Credit Monitoring · Free download
A Tier
Excellent · #5 of 19
86
4.8★310K ratings
Free downloadprice
20dsince update

What is Capital One CreditWise?

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.

Pricing. Capital One CreditWise is free to download on the App Store.

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

Screenshots

1 / 7

Why this app is in A tier

Capital One CreditWise scores 86 out of 100: rating 97, rating count 95, App Store search rank 51, update recency 100. The four parts are averaged with no weights, and A tier follows from that score within this list. The full explanation, as data.

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. Using CreditWise won't hurt your score. 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 dark web alerts to help you take action when your information is detected somewhere suspicious. Sign up for CreditWise and receive: ● 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. ●

Compare in Credit Monitoring

MeasureCapital One CreditWiseCredit SesameBuild Credit & Money
TierAAA
Score86 / 10086 / 10084 / 100
Rating4.8 ★4.8 ★4.8 ★
Ratings310K436K86.5K
Latest ratings · 180d2.5 ★ · 20 reviews1.9 ★ · 10 reviews4.4 ★ · 20 reviews
Last update20d ago19d ago4d ago
PriceFree downloadFree + IAPFree + IAP

Alternatives

See all 18 ›
  1. LifeLock IdentityFree + IAP · ★ 4.8S
  2. Intuit Credit KarmaFree · ★ 4.8A
  3. Experian®Free + IAP · ★ 4.8A

Questions about Capital One CreditWise

Do I need a Capital One account to use CreditWise?

No. You do not need to be a Capital One account holder to sign up for CreditWise.

Who is eligible to sign up?

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.

Will using CreditWise affect my credit score?

Using CreditWise won't hurt your score. The Credit Simulator estimates score changes and does not guarantee how your score may change.

Is Capital One CreditWise free?

Capital One CreditWise is free to download.

What is Capital One CreditWise good for?

Capital One CreditWise is built 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. It sits in the credit monitoring list on AppTierList.

Is Capital One CreditWise worth it?

Capital One CreditWise is A tier, ranked #5 of 19 credit monitoring apps with a score of 86 out of 100, from a 4.8 App Store rating across 309,881 ratings. It is in the list's top tiers; 4 apps rank above it.

How does Capital One CreditWise compare to Credit Sesame?

Capital One CreditWise is A tier at 86; Credit Sesame is A tier at 86. They score the same. Capital One CreditWise is free to download, Credit Sesame is free to download, with in-app purchases.

How often is Capital One CreditWise updated?

Capital One CreditWise was updated 20 days ago, which counts in its favour.

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All the facts

List
Credit Monitoring
Tier
A (Excellent)
Score
86 / 100
Rank in list
#5 of 19
Ranking certainty
settled
Price
Free download
App Store rating
4.8 out of 5
Number of ratings
309,881
Recent reviews
2.5 from 20 in the last 180 days
Current version
(20 days ago)
App Store data read
App Store category
Finance
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
Requires
iOS 17.0 or later
Size
162 MB
Age rating
4+
Languages
2
Maker
unclaimed
As data
JSON · why it ranks here

Ranking refreshed · how it is computed