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Unique Features of the CreditWise App
The CreditWise from Capital One app for iPhone and Android lets you check your credit score, simulate the credit impact of financial decisions and gain access to other unique features, like dual credit bureau monitoring and personalized tips for building your credit.
Credit Simulator
Credit Alerts
ID Theft Monitoring
Credit Improvment Tips
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How to Download the CreditWise App for Your Mobile Device
To download the CreditWise app, click on the links below, search “CreditWise” in Google Play (for Android devices) or in the iOS App Store (for Apple devices). The app has the CreditWise logo: a red half-circle with blue dots. Download the app, accept the Terms & Conditions, and verify your identity to create an account.
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The CreditWise Simulator
The CreditWise app features a Credit Score Simulator that helps illustrate how your financial decisions may impact your credit score. Say you want to use some extra cash to pay down debts. With the Simulator, you could explore different ways to allocate the money to see which option may best improve your score, further empowering you to make financial progress.
Is the CreditWise app free?
Yes. The CreditWise app is free to download and all tools and features are free to use to help you achieve your financial goals.
How does CreditWise differ from other credit apps?
CreditWise lets you check your VantageScore® 3.0 credit score from TransUnion, which is one of many credit scoring models. While it may not be the exact model your lender uses, it is an accurate measure of your credit health.
Along with letting you access your credit score, CreditWise also allows you to:
Please note that 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.
Do I need to be a Capital One customer to download CreditWise?
No, you can download the CreditWise app and use its features even if you aren’t a Capital One customer. Just create an account and enjoy all of the features that CreditWise has to offer. Please note, however, that you'll need to be a U.S. resident over 18 with a valid social security number that can be matched to a credit profile from TransUnion in order to enroll.
Can using CreditWise hurt my credit score?
Using the CreditWise tool does not harm your credit score because CreditWise does not perform a hard credit inquiry to retrieve your information.
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