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CreditWise from Capital One
Meet CreditWise from Capital One
Monitor your credit health for free–it won’t hurt your credit score.
KNOW YOUR SCORE & MORE
Understand your credit score
Access your TransUnion® VantageScore® 3.0 score and TransUnion report anytime. It’s a great way to get to know the factors that may move the number up or down.1
Keep up with changes
Have a new inquiry, delinquent account or other activity? Get alerts for important changes to your TransUnion and Experian® credit reports.2
Monitor your personal information
Find out right away so you can take action if your Social Security number or email address is detected on the dark web.2
HOW TO DOWNLOAD OUR MOBILE APP
1. Open your camera
Open the camera app on your mobile device and point it at the screen.
2. Scan this QR code
Scan the QR code above and click the link.
3. Log in securely
Turn on biometric login to sign in to our encrypted app quickly and securely.
TOOLS TO HELP IMPROVE
Discover the Simulator
Explore the potential impact of your financial decisions before you make them.
Use the CreditWise Simulator to see how moves, like paying down your balance or increasing your credit limit, could affect your score.3
SECURITY YOU CAN COUNT ON
Rest easier with encryption
CreditWise uses 256-bit Transport Layer Security (TLS) protocol, which helps keep your information secure, encrypted and protected.4
HOW TO MONITOR YOUR CREDIT
Keeps tabs on your financial health by checking your credit score regularly.
GET CREDITWISE TODAY
Start your journey with CreditWise and make your credit work for you
Check your credit report on the go with CreditWise's secure biometric login and features that monitor your credit history and dark web alerts.
To download the CreditWise app on mobile devices, scan the QR code to launch either the Google Play Store or the iOS App Store.
FREQUENTLY ASKED QUESTIONS
Who can enroll in CreditWise?
Anybody can get CreditWise, even if you're not a Capital One customer. You need to be over the age of 18 with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau.
What info do I need to have handy when I sign up?
To sign up, we'll ask you for some basic personal information. Next, we'll have you confirm some information to protect your identity. Then you'll set up your account to make sure you can access CreditWise, even if you forget your password. If you're a current Capital One customer, you can use your existing online credentials to access CreditWise.
Will using CreditWise hurt my credit score?
It won’t. You can use all of CreditWise's features without hurting your credit score.
What’s on your credit report?
1The score provided in the CreditWise tool is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many scoring models. Your CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.
2Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.
3The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.
4If you have an outdated browser, your connection to CreditWise (and most other sites) might not be secure. We recommend that you update your browser to a version that supports 128-bit encryption and secure sockets layer version 3.0 or higher.