CreditWise from Capital One–formerly Credit Tracker

The app designed to help you manage your credit

Totally free–and available to everyone


Take on the future with confidence

CreditWise® from Capital One® lets you see your credit score for free. It’s updated weekly, tells you key factors that impact your credit and has a Credit Simulator that shows how your decisions could affect your score.

Access your score and more for free

Use everything CreditWise offers, whether or not you’re a Capital One customer. It won’t hurt your score and you won’t ever be asked to enter a credit card number.

Get started with CreditWise now

Already have a CreditWise account?

Download the CreditWise app now:

Download on the App Store 

See what goes into your score 

CreditWise will give your current TransUnion® credit score, and a summary of where you stand with the key factors that affect your credit.



Look back at your credit history

See increases or dips in your credit score month-by-month, along with more in-depth information about how much your credit has changed.


Learn about what makes a healthy credit score

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See how everyday decisions affect your credit

The Credit Simulator takes some of the mystery out of how your credit decisions affect your score. You’ll be able to see what might happen if you make on-time payments, take out a new line of credit and more.

Get alerts when something changes

You’ll receive automated emails whenever your TransUnion report changes, including recent credit inquiries, delinquent accounts and more.

Keep an eye on your accounts

Get a summary of your open lines of credit with your total amount owed, as well as information about where your accounts stand.

Know where you stand with the key factors that affect your credit


Below are some of the most important factors that lenders use to determine creditworthiness. You’ll get an idea of how you’re currently doing in each of these areas, as well as tips for managing your credit responsibly.

Frequently asked questions

Learn more about CreditWise

CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.

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