Is CreditWise free?
CreditWise is 100% free! You won’t have to pay money to sign up for CreditWise or use any of its features.
How often does CreditWise update your credit score?
Your CreditWise credit score is updated as frequently as each day when you sign into your account. Learn more about the benefits of free credit monitoring with CreditWise.
Is CreditWise accurate?
CreditWise gives you an accurate representation of your credit health, as it sources your credit information directly from your TransUnion credit report and updates your VantageScore® 3.0 credit score as often as daily. Although your CreditWise score is different than a FICO® score and is unlikely to be the score your lender uses, your CreditWise score gives you a good indication of your credit profile.
If you don't think your information is right, review the information from your TransUnion credit report in the Report section of CreditWise. Detailed information on your opened and closed accounts, inquiries, personal information and public records that are reported to TransUnion is available. If you find a reporting error, click on the button that says "see something wrong?" to read some additional information and follow the instructions to have it corrected.
You can also go to AnnualCreditReport.com to get free copies of your credit reports annually. If you find a reporting error, you may file a dispute directly with the lender that reported it. Alternatively, you can also file a dispute with each credit bureau that reports the account with the error. Instructions for disputing an error are on AnnualCreditReport.com.
Does CreditWise protect my personal information?
Your CreditWise username, password and personal information are protected by 256-bit Transport Layer Security (TLS) protocol, which helps prevent unauthorized transfers of sensitive information. You may also take advantage of secure sign-in methods such as biometrics or two-factor authentication available via the CreditWise iOS and Android apps. CreditWise is a great way to stay on top of your credit score and get free access to your credit report.
Why is my credit score important?
Lenders can use your credit scores and reports to decide whether to do business with you and on what terms. Your credit score can affect things like the interest rates you may get, what credit card options you’re offered, whether a landlord will rent you property and whether some employers will offer you employment.
What is a credit report?
A credit report is a detailed report of a person's credit history. It contains information like your history of paying loans and the status of your credit accounts. It gives a view of your financial habits, like how often you make payments on time, how much credit you have, and how much credit you're using. A credit report can also contain public record information, like bankruptcies, judgments, and liens that give lenders an idea of your obligations and financial status.
Lenders use credit reports to make lending decisions, like if they will loan you money, whether you continue to meet the required terms for your account, or what interest rates they can offer you.
Where can I learn more about my credit?
For more information about your credit score or report and ways to improve your creditworthiness, check out Capital One Financial Education resources, including
How can I get a copy of my full credit report?
Visit AnnualCreditReport.com to receive a free copy of your credit report annually from each of the three major credit reporting bureaus.
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