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.
Here is what's included in our latest update:
We made some performance improvements to make your experience better throughout the app.
Ratings and Reviews
Apply for a credit card with capital one!
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 other expenses! But, priorities over desires! Remember this! Never open a capital one email, unless you get a notice verbatim an email, because hackers will be able to get your information from your bank, your address, etc! Use wisdom when using your credit card for sure!
Score isn't accurate
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 where I'm usually at and will be closer to 700 by December. Well I go into a dealership on Saturday February 24th and they told me if my credit score was 625 they'd give me a car with $0 down. My friend just bought her car a month before me and she told me her score was 652 and higher than what Credit Wise showed and she got a 2018 Honda CR-V with $0 down so I let them run mines. 30 minutes later the lady comes to me and say "which car do you want, go pick your car out cuz I got you with $0 down!" I rolled off the lot in a 2018 Mitsubishi Outlander SEL and my credit score with TransUnion is 667 where it shows 614 here on Credit Wise and they go by the TransUnion score, it was 632 with Experian as well so either way I was leaving the lot with a new car. They don't go by Equifax anymore when looking for financing.
Ms. Alvarado regarding credit wise
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 they also help you understand ways to improve your credit by giving do’s and don’t when trying to build credit, as well as where you stand in the good or not so good credit by showing you the chart of what category your score falls under and an ideal example of where you should want to be with your credit.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
- Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Capital One Services, LLC
- 159.9 MB
- Requires iOS 15.0 or later.
- iPod touch
- Requires iOS 15.0 or later.
- Age Rating
- © Capital One