CreditWise from Capital One

CreditWise from Capital One - Free credit score and monitoring

CreditWise from Capital One

App stats

Version: 1.121.1 (Last updated: 2024-11-21)
Creation date: 2016-04-12
Permissions
Location: approximate location (network-based), precise location (GPS and network-based)
Phone: read phone status and identity
Camera: take pictures and videos
Wi-Fi connection information: view Wi-Fi connections
Device ID & call information: read phone status and identity
Other:
  • receive data from Internet
  • view network connections
  • change network connectivity
  • full network access
  • control Near Field Communication
  • run at startup
  • control vibration
  • prevent device from sleeping

Other platforms

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App summary

A free credit monitoring tool that could help you improve your score

At CreditWise, we believe in empowering people with the tools to effectively monitor their credit. We do more than show you your free credit report: we back it up with targeted advice, tools and alerts to help you monitor your credit. And that's not all - CreditWise provides identity theft monitoring tools such as dark web alerts and a credit simulator to help you forecast the potential effects of your credit decisions. 

Used by millions, CreditWise 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:

* Updates as frequently as daily to your TransUnion® VantageScore 3.0 credit score.
* Access to your credit report from TransUnion® to look for signs of error, theft, or fraud. 
* The Credit Simulator, which helps you see how everyday decisions may affect your credit score.
* 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 and take control of your credit score.
* Alerts about select changes to your TransUnion® or Experian® credit reports. 
* Alerts if your Social Security Number or email address are found on the dark web. 
* Alerts if any new names or addresses were associated with your Social Security Number on a credit application.

Popular Feature: Tool to forecast how every day decisions might affect your score

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.

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. 

Sign up for CreditWise today and let us help you make a change.

User reviews

These summaries are automatically generated weekly using AI based on recent user reviews. Google Play Store does not verify user reviews, so some user reviews may be inaccurate, spammy, or outdated.
Pros
  • Easy to navigate and use
  • Provides a simulator for predicting score changes based on actions
  • Alerts users about suspicious activity and breaches
  • Offers useful tips and timely notifications for credit management
  • Free to use with no hidden fees
Cons
  • App frequently fails to update or crashes
  • Inconsistency in credit score calculations
  • Issues with login and account access
  • Notifications for insignificant score changes can be a nuisance
  • Doesn't reflect real-time credit changes
Most mentioned
  • App stopped updating or working
  • Issues with login or verification process
  • Inaccurate credit score representation
  • Simulator feature is appreciated
  • User-friendly design and navigation
User reviews
It wasn't a good experience I had an accident with my old phone I had to get a new phone and I had to get a new number it wouldn't let me log into the CreditWise account because not new phone number wasn't on the CreditWise account it's too bad it's gotta be like this. I verified my identity with my email and it wouldn't work with me. Screw it 😤 8 donut actually need my credit score especially since it's so low. So if it goes up won't then I'll be back. Until then I guess it's peace ✌️
by Gregory Mastin, 2024-11-30

The CreditWise App worked very well up until 09/13/2024, when it simply stopped updating! In my attempts to get it to update, I tried logging out and back in many times, and even uninstalling the App and reinstalling, but the App no longer updates! So, it's no longer useful. I hope someday they can fix it. It was really nice when it worked. I reached out to Capital One support, and they sent me an email stating that they got my request, and that's where it ended. Eventually, I'll just delete it.
by Scott Liddiard, 2024-11-15

11/05/24: Wonderful tool when building credit for first time. Allows you to learn what helps and hinders progress, and monitors your transunion credit report. Too bad they broke it. Was a GREAT app, but it no longer works on my phone. This app was something that I feel was essential to repairing my credit. I've been forced to uninstalled it and replaced it with another credit monitoring app. 5 stars when it worked, but now it doesn't.
by Jules O'Guin, 2024-11-05
View all user reviews

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