Capital One CreditWise

Capital One CreditWise

  • Category: Finance
  • Release Date:
  • Current Version: 1.8.0
  • Adult Rating: 4+
  • Developer: Capital One
  • Compatibility: Android
5
5
49,528 Ratings
$ 0

Capital One CreditWise App

Know your credit score and much more Capital One CreditWise® is a free tool to check and monitor your credit score and it’s AVAILABLE TO EVERYONE not just Capital One® customers. Use CreditWise to understand what makes up your score and find helpful ways to take action to improve it. If your score is where you want it to be, use CreditWise to keep an eye on your accounts and get alerts when something changes on your TransUnion® credit report. Used by millions of Capital One customers, CreditWise (formerly CreditTracker) is key for anyone who wants to know, improve, or monitor their credit score. Using CreditWise won’t hurt your score, and you won’t ever be asked to enter a credit card number. All features are free: ● Weekly TransUnion® VantageScore 3.0 credit score. ● Review your credit report from TransUnion® to look for signs of error, theft, or fraud. Your credit report includes open/closed accounts, balances, hard inquiries, personal information, and public records that have been reported to TransUnion®. ● Use the Credit Simulator to see how everyday decisions affect your credit score. ● Learn about the key factors that make up your credit score and how you’re doing on each of them. ● See personalized suggestions to help improve your credit score. ● Get alerts letting you know about changes to your TransUnion credit report. ● Simple, everyday tips on how you can take control of your credit. Prepare Before You Act How could closing a credit card account affect your credit score? How much could your score change if you pay off half your credit card debt or all your debt? See how these decisions could impact your score before you act by using our Credit Simulator. Frequently Asked Questions Q: Can everyone access the CreditWise app? A: Yes. You just have to be 18 or older. Q: Does using CreditWise hurt my credit score? A: No. You can utilize all of CreditWise's free tools and features without hurting your score. Q: How can I use my CreditWise credit score? A: Your CreditWise score is a good measure of your credit health and its progress. And just like any score from any source, chances are your CreditWise score won’t be exactly the same as the one your lender uses. That's because lending decisions are complex and consider a number of different factors and scoring models. Q: I'm already enrolled in Capital One CreditTracker. Can I use the same username and password? A: Yes. If you've already enrolled in CreditTracker, use the same username and password that you use to sign in to service your accounts on CapitalOne.com or to access the Capital One Mobile servicing app.

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Capital One CreditWise app screenshots

Capital One CreditWise app reviews

  • Superrrr 5/5

    By Normalula
    Superrr
  • Loving it 5/5

    By MADD wood
    Great help for me
  • Awesome 5/5

    By Tookiepeeps
    Awesome app. Great tools for credit repair and updates
  • Every thing is perfect and I appreciate Capital one because am enjoying use it most of the time 5/5

    By ytwals
    Yarng altawal
  • Always been a great app but 4/5

    By Nessa☺️
    Some of the features are no really working. For example the simulators. It won’t allow me to input numbers into the simulator, I’ve tried many times, restarting it, uninstalling and reinstalling, and simply just closing and logging out and logging back in. It’s frustrating to not be able to use certain features. Other than the features, the app is great and a great way to review your credit quickly.
  • True Carma 5/5

    By Keenan Caldwell
    Credit wise is very accurate and lets me know immediately in any changes to my credit
  • Excellent 5/5

    By mcr554
    Functional and helpful
  • Helpful Free App for Credit Monitoring 4/5

    By Bobbyjj1
    CreditWise is a very helpful user-friendly app for monitoring your TransUnion report. It updates weekly and allows you to view any changes, if there are any. It does provide a TransUnion-generated Vantage 3 credit score, which is usually considerably higher than the FICO scores that lenders actually use, so try not to take it overly seriously. Also, the credit simulator—which I think is also powered by TransUnion—sometimes provides some really wacky information, so try not to take it too seriously either. According to the simulator, my credit score would greatly increase if I were to allow all my bills to become delinquent for a month, and if my property would be foreclosed upon. It also shows that I’d see score gains if I were to have my wages garnished. Let’s hope that’s not accurate!
  • Lucretia 5/5

    By Laneadriene
    Excellent site.
  • Instantaneous Info 4/5

    By Daffy Deb
    You don’t need to run hard inquiries to get an idea of where you are at.
  • Very good! 5/5

    By AJ Souza
    I have excellent experience with CreditWise. They provide information as to why my score is what it is. The site is easy to use and understand and their scores are accurate and updated often. The updating and navigation of this site is very good. I can view what issue is making my credit score what it is at a certain date. I also like
  • Jarvis 5/5

    By Dejarez
    Good app
  • BK 5/5

    By cjohana4
    Quick and easy. App works great!!
  • Sarah 5/5

    By BO4679
    Hi Sarah, we like your app. Mike & Marcia H
  • NOT ACCURATE don't download. 1/5

    By all stars viewpoint
    The score it shows you is incorrect I was super exited that my score said 697 on the app but when I applied for a bond for my business they did a light credit check (one that doesn't effect credit score) and they came back telling me I have no credit established what so ever this app is very misleading and other reviews say so to. Don't download.
  • Credit 1/5

    By Nicali805
    Not current or update
  • Great App! 5/5

    By Vinnytheboatguy
    A must have these days; easy to access with fingerprint logon and easy to keep up with your credit score. No gimmicks or ads trying to make you buy anything. Just a solid app that I highly recommend
  • Casi perfecta 4/5

    By nancy7520
    Me gustaría que fuera traducida en Español también.
  • Greatest Credit App EVER! 5/5

    By P-Diddy Patrick
    Dear Capital One, Thank you for making it so easy to check my credit score and manage my credit. You guys are the best! After I filed bankruptcy 5 years ago I didn’t think was possible to rebuild my credit. But I got a letter from capital one helping me begin to reestablish good credit. Ever since then I have had 100% on-time payments. Thank you! Sincerely yours, Patrick!
  • Simple and convenient 4/5

    By JammiTammi
    All it needs now is to allow disputes 😬
  • Inaccurate 1/5

    By dontworryaboutitjustfixit
    I got 2 lines of auto loans and 3 credit cards and it only shows that i have only have one credit card opened, of course i cant an accurate credit score...
  • Great app to track credit score 5/5

    By Soulful hip hop
    App is very good at tracking current + or minus with credit
  • Thank you 5/5

    By nizgal
    Thank you for credit wise!!!
  • Great app! 5/5

    By Kay28!
    Easy to understand! Very informative!
  • App 5/5

    By Shmoppp
    I love the app so much
  • Quick& easy 5/5

    By lola0218
    Very satisfied with the quick and easy access of updated information
  • Love the App 5/5

    By Sheritastar
    The app is great! I have no complaints at all.
  • Capital One 5/5

    By tara-bite
    Love this app
  • Not very accurate 3/5

    By Lucky1forU
    Why give someone a low rating if they are making all their payments on time? Typical B.S. game the credit bureaus play!
  • Never works 1/5

    By Gjgfhdf
    Has never worked for me. Always get an error message. Done trying !
  • Nice 5/5

    By Relbats
    Great app! Easy to use
  • Stupid 1/5

    By Mindy jones
    It says that there is no information available to check and see if I entered in all info well I did. I have a 635 credit score on credit karma why would it say there is no info on credit to be found from trans union stupid can't even use app
  • Crap app 1/5

    By Smokeonthewater28542
    First download and initial sign up and the app errors out before it can even do anything. “Looks like we need to fix something” Crap!
  • Ok but inaccurate 3/5

    By murphy5111
    Credit score seems right but new accounts and other changes sometimes take months or never show up. For example, I have a new account that took several months to show up and they had to run my credit. Almost a year after the account showed up, the inquiry never did. It was a credit card so the inquiry definitely happened. Also had one late payment once in my life and it was the credit card company’s fault. Credit wise showed that I had 96% of payments on time three years after that account was closed. Didn’t make sense out of the thousands of payments. My concern is that if someone opens an account in my name, this app won’t pick it up.
  • The credit score is not right 1/5

    By Juliedrivesabigtruck
    My credit score is actually 45 points higher than this app says it is. I ran a credit check through trans union and my score is way better! Plus it doesn’t give details. My on time payments say 70% on time but does NOT say what I’m late on! Poor info!!
  • Love it! 5/5

    By rachelgatlin
    Since the Equifax hack, I’ve been obsessive about my credit. I use CreditKarma too, but I figured it couldn’t hurt to have another monitoring service. I think the app is easy to use and I I feel that it will help me keep tabs on my information.
  • Very good free app 4/5

    By Avid HP purchaser
    Very good for checking your credit score and information about your credit identity
  • Not accurate!! 1/5

    By Gunfczjbgbinhx
    Do not rely on this number, it is not accurate. Used this app to try to better understand credit score when buying house. Each mortgage company pulled wildly different numbers and each explained why there number was more accurate than this.
  • Couldn't recognize my info... 2/5

    By Ultimate_jester
    This app was working fine form me when I first got my capitol one card. Then, out of no where it seemed, it wouldn't let me login anymore. Telling me that it couldn't recognize some of my information and gave me a code and a number to call. I called the number which lead me to the Capitol one team, after talking with them for a while and verifying that everything was correct with what they have they transferred me over to the Trans union people. I was on the phone with them for a while as well going over all my info, and verifying it all with them. They then put in a service ticket for me to have there IT team look into to it and told me it should be working within a few days... that was about 3 months ago. I've pretty much given up on the app, which is unfortunate because it was very useful and handy. I would like to be able to use it again, but I'm at a loss as to how to resolve my situation...
  • Thank you 5/5

    By PeepTheLeap
    Access to this makes me comfortable and easygoing about my day knowing I'm on the right track.
  • CREDIT WISE IS AMAZING 5/5

    By Chaireazy
    Credit simulator
  • ????Identifying questions 1/5

    By whatthefrek😭
    Um.. i really want to use this app but the security questions to identify myself tells me i'm wrong on a question and i cannot use this app. I have no clue what question i was wrong on! Is there a way y'all can give me different questions? Here we're the questions. 1.What state SSN was issued in. 2.Auto loan amount 3.previous phone numbers. i guess i don't know myself like you know me!😑
  • Informative Tool 5/5

    By Kimeal
    Credit Wise by Capital One keeps me updated and sends me alerts of any changes in my score and report. Plus it’s free.
  • Credit Wise Ap 4/5

    By Wsellers
    It successfully updates and reports your credit scores. However, it does not provide a path for making changes to incorrect information. For instance, three credit inquiries were noted. It should have been two because two were from the same company for the purchase of a car. There was no way to correct that information.
  • Great but... 3/5

    By NY2ATL
    In general I love this app, but I have not been able to sign in for the last three weeks. I've uninstalled but still nothing. My login information is correct, so I'm not sure what's wrong
  • Great app 5/5

    By Gamerdawg180
    Having been using this app for over a year! has been great!
  • Great app 5/5

    By KeymaNY
    Great app to have, convenient and it actually works lol
  • Fraud 1/5

    By HimJolly
    I downloaded this app and I’m afraid I have been frauded out of my personal information.
  • Great to have 5/5

    By Dmh359
    With all the hacking of personnel information lately this is a great tool to have for instant access on your credit, glad capital one gives us this app.
  • Inaccurate 4/5

    By moctoc
    There is information on here that is inaccurate

Capital One CreditWise app comments

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