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.
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
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.
To lenders, your history of on-time payments indicates whether you’ll make payments on time in the future.
Oldest credit line
The age of your oldest credit account shows lenders how much experience you have handling credit.
Lenders look for signs of responsible credit usage, and the better you are at living within your means, the better it is for your score.
With some exceptions, lenders tend to see too many recent inquiries as a sign of risk, so the fewer the better.
From a lender’s perspective, opening too many new accounts in a short window of time could point to credit problems.
Having plenty of available credit (relative to amount owed) indicates to lenders that you manage credit responsibly.
Learn more about CreditWise
CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.
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