Capital One CreditWise

Capital One CreditWise

  • Category: Finance
  • Release Date:
  • Current Version: 1.10.0
  • Adult Rating: 4+
  • Developer: Capital One
  • Compatibility: Android
5
5
70,648 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

  • (Aurora Rosario). Professional Capital One 5/5

    By Dino-Soars
    Capital One it’s the best Credit Co. Ever with Professionalism, Friendly, Fair, Patience and Understanding. Great Company. Thank you, for the Opportunity of making my life easier.
  • Amazing, Phenomenal, one of the most needed apps 5/5

    By rison911
    This app has so many benefits...i just don’t know where to begin....helps to learn a few things about credit and how to improve and grow...
  • Great help to have 5/5

    By Babyseal.
    Great app easy to access and it’s very helpful and trustful.
  • Great 5/5

    By Michaeld67
    Great way to keep track of your current score
  • Credit wise 5/5

    By julienne taylor
    Convenient and easy to use! Love the app
  • Might be to good to be true! 5/5

    By Sugarbear42
    Love being able to check my credit score, love being able to sign in with my thumb print.
  • Apps review 5/5

    By GoddessMegan
    This app is awesome!
  • Love the new features 5/5

    By QueenNi27
    I love this and the credit stimulator!
  • Very good this option!!!! 5/5

    By AMELECTRIC
    Nice
  • LOVE IT, ABSOLUTELY LOVE IT! 5/5

    By OinaFriedman
    If you are serious about building credit, maintaining credit or just simply watching your credit you will love it! I love it, I absolutely love. Very useful tool in today’s world.
  • Credit wise 3/5

    By C.S. Fanciullo II
    Not an ACCURATE FICO
  • Great app to track credit 5/5

    By backindhape
    Easy to use app to track credit and monitor
  • Pretty good 3/5

    By Jclem 05
    A little slow on some updates, and sometimes information that should be on there isn’t. Idk why that is but I just know it’s not there. And the information lag is sometimes frustrating. Other than that, it’s been a real help.
  • Ok 3/5

    By Ozogirl
    Credit score is way off so disregard that.
  • Credit wise 5/5

    By naenachelle
    User friendly, FREE!
  • Great app! 5/5

    By DJT7575
    The Capital One app offers everything I need to manage my credit cards. I can see my balance, my rewards money, apply my rewards money, without having to go to another website and pay my bill. Other credit card companies need to take some notes from Capital One. Thank you for making your app so easy to use!
  • Ohhh boy... 5/5

    By opm29
    Today is my birthday & this is the best gift received...from myself. Its like Fitness Pal for personal finance. Great information so far. My credit is in bad shape, but Credit Wise definitely helps to determine where to start shaping things up. It may even take over my social media time!
  • Good and very good app for credit score 5/5

    By Firas Abbadi
    Very good application for credit scores
  • Awesome and easy 5/5

    By Glarepolish
    This is an accurate Credit Monitoring application that keeps you informed of any credit alerts or changes. I highly recommend this credit monitoring service to all! Great App!
  • Useful 4/5

    By Chantuce
    Thank you for providing this app and the simulator, very useful for rebuilding credit or checking the impact of a next possible move.
  • Shineon 5/5

    By Pigg Blaster
    Great app very user friendly..
  • Asks to call 1/5

    By Anonymous2929
    Asks to call some number for some update.
  • Not an accurate Fico score 1/5

    By Thedman219
    This App’s Fico score never matches any of my other Fico scores at any other app that I use. I don’t know what my Accurate Fico score because this app never matches any of the others.
  • Confused about Capital One apps 1/5

    By customeradvocate
    I was prompted to install this app from the other Capital One app that showed my Credit Score. When I log in on the web, I get redirected to a new website to view my credit information. In a day and age where Equifax is getting hacked, trust is really important to me. I wish Capital One could get its act together and provide one app or one website, so I didn’t have to be concerned about differences between my bank and my credit score provider. Make one app please!
  • Helpful 5/5

    By belmari03
    Love this new app. My new toy 👍🏼 for monitoring my credit
  • You should have the other Credit Company too 4/5

    By Dr time
    It’s OK could be better
  • WORST APP IVE EVER HAD!!! 1/5

    By Unhappy weather customer
    By far the worst app ive ever had. Plus you only get the number that Transunion has for you. WHO THE HECK EVEN LOOKS AT TRANSUNION!!! I know no one in the lending industry does. Dont use this unless you want to see what no one pulls. If you want to see FALSE information download now!!!
  • Slick, Reliable, and Useful App! 5/5

    By Thattallblondgirl
    One of the most reliable slick apps I use. The developers really know how to put together a great app. Easy to navigate interface and every feature in the app seems to be polished.
  • Great app! 5/5

    By benji0981
    Convenient and easy to use!
  • So easy 5/5

    By beffcake1
    I don’t know how you could make this simpler.
  • A terrible mess 1/5

    By duemz2026
    Unfortunately, I took the advice that was given to me, did what they recommended, and my credit went from 671 to 442. I was told to get more recent activity, get some cards and spend some money. I did that and then was told I spent money and I should open another to pay those off. I made payments on time but credit card companies did not post and charged late fees. I even accused my bank to be at fault and I was assured it was CC companies. They have ruined my credit within 6 month period. I feel so frustrated and angry, now I have to pay to have repaired due to inaccurate advice and underrated cards, it’s a way for them to make money.
  • Something to work with 5/5

    By Diva nurse2005
    Good tool however. My score was different when I inquired about a mortgage. :/
  • Just ok 3/5

    By sicembears
    I love the interface, it’s what got the 3 stars. The reason it didn’t get more for me is regardless of what I do the simulator says a decrease in score by 20-30 points for everything. Pay bills for 6 months-2 years on time, goes down 21 points. Pay off all my debt -29 points. Cancel oldest card, -30. Mmmmmkaaayyy
  • Interest rate 4/5

    By aznjbill
    Been trying and have asked to lower my interest rate on my account. I have received no response Bill Lazenby
  • Love this app 5/5

    By Maggster215
    This app has helped me tremendously to keep track of my credit score. I have significantly increased my credit due to my ability to constantly monitor my credit. I highly recommend it to anyone looking to improve their credit.
  • Easy to navigate 5/5

    By sunshine32009
    Capital one / Credit Wise mobile sites are easy to use and have the information I need. Very nice.
  • Never up to date 2/5

    By Jgold178
    Scores typically do not reflect Current Credit Standings.
  • Not accurate 3/5

    By aJaymoe
    The times that my report was pulled my score with you all were higher than what the banks reported by 60-70 points. How is that
  • Happy customer 5/5

    By SheilaSme
    Great way to keep abreast any changes.
  • It's great 5/5

    By swandmocha
    I can keep track of my score easy.
  • Changing my life 5/5

    By Turntbettie
    I found credit card boyfriend had in my name the Corporate number was listed on site. I was able to contact the Creditor immediately.
  • So so 3/5

    By TimColorado
    Doesn’t have actual credit report and doesn’t say what credit comp. it’s pulling from.
  • Love it! 5/5

    By Playmejsyrstsyneu
    I love this app. It keeps me on track. I have been paying all my bills on time.
  • Incredible customer service 5/5

    By Jaybirds Dad
    I am a 59 year old male that is slow with the modern day technology. I am trying to rebuild my credit score and needed a credit card to start the process. I couldn’t figure out how to work the online application. I went to my local Capital One Bank branch this morning. I was immediately greeted by Maria Green at the Waldorf Maryland location. She first offered me a beverage as I was a friend visiting her home. Maria patiently assisted me while I was trying to set passwords on the computer and not hitting the correct keys. All said and done. I verbally let her know what I desired to accomplish during my visit and she patiently assisted me for over a hour. She also noted that I would be able to accomplish my goals best by setting up a direct deposit account with Capital One Bank to insure my credit card would automatically be paid up on time. I also set up a savings account to insure I would have the credit line paid on time. I have read other reviews and I am appreciative of Capital One for helping people to reestablish there credit scores. Thank you Maria Green at Waldorf Maryland and thank you Capital One for offering products that help the average person in need of a second chance. John Zweifel Waldorf Maryland
  • User friendly 5/5

    By CarlaCortez
    Stays on top of your stuff mostly! I check in every week just to refresh and see what's on my credit and do any polishing if I have to do any! This app makes it all nice and easy!
  • Billy 5/5

    By Billy in Augusta
    Best card and rebate
  • Easy access 5/5

    By kimush
    Nice that you can just click on the app and get your score. Very convenient!
  • Great system 5/5

    By Boris Fomo
    Amazing
  • 10 5/5

    By Sol taino
    Great
  • Very useful app 5/5

    By Bketerwnmvzhgl
    This app I believe is going to keep me informed about my current credit. This should have been developed long ago. Nothing but WARM FUZZIES for this app. The Snowman

Capital One CreditWise app comments

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