CreditWise from Capital One



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


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



Rest Easier with encryption

CreditWise uses 256-bit Transport Layer Security (TLS) protocol, which helps keep your information secure, encrypted and protected.4

What customers are saying

“I couldn't live without CreditWise, it has helped me a lot with recent identity theft that I've unfortunately experienced.”

Jessica B.

“CreditWise is great as it allows you to check your credit score without harming it.”

Michael S


Keeps tabs on your financial health by checking your credit score regularly.



Get your free credit report from CreditWise now!

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.

CreditWise is free, fast, secure, and available to every adult residing in the US with a Social Security number with a report on file at TransUnion. Sign up for CreditWise today and let us help you make a change.


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.

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.

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.