Capital One CreditWise - Credit score and report

Capital One CreditWise - Credit score and report

  • Category: Finance
  • Release Date:
  • Current Version: 1.6.0
  • Adult Rating: 4+
  • Developer: Capital One
  • Compatibility: Android
24,172 Ratings
$ 0

Capital One CreditWise - Credit score and report 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 or to access the Capital One Mobile servicing app.


Capital One CreditWise - Credit score and report app screenshots

Capital One CreditWise - Credit score and report app reviews

  • Good but Rating off 4/5

    By WiscoDiscoLady
    I love the app for strategizing how to increase my credit since I am young and it's hard to have good credit when a huge factor is how short of time you've had credit. My issue is that I recently had my resort report ran for financing a house and it was actually 30+ points lower than what the app has me estimated at. Really a downer when you are looking at interest rates and you don't make the bracket you thought you were in. Otherwise it's great and I'll continue to utilize it.
  • Andrei 5/5

    By andysolod
    The best!!! Thank you!!
  • Hello 5/5

    By Shoklete
    It gives the information you need
  • Great way to start monitoring your credit 4/5

    By Corderosa Amada
    Only drawback is that it's not the FICO score so your actual score could be lower than what this app shows
  • Great! 5/5

    By Silvermtb
    Very useful!
  • Recent Transactions. 4/5

    By gtfoohu2
    Can't find detail info on recent transactions, only states the total amount of the recent transactions, but won't let you know how many transactions and how much per transaction.
  • Average 4/5

    By Squirrel46
    Sometimes I don't understand how the come up with the score. I have quite a bit of line credit ($$$$$$). I use my CC and my utilization is 3% and my score drops 30 points. What is the use of having all that credit and if you use it, your score drops 30 points. Never missed a payment on any CC or bills, had continuous credit for years.
  • constantly nags me for a review. 1/5

    By uniqueosufan92
    Extremely annoying pop ups asking for a review. 1 star.
  • So good for staying in the credit game. 5/5

    By Unclebri
    Whenever I want, I can see what's going on with my credit. It's fun.
  • Good but not accurate 3/5

    By Dymonics
    Not unless it takes awhile to adjust I used the simulator and did exactly what it told me to do. Add a new card with $1,000 credit limit and my score would increase by 23 points. Instead it dropped 2 points.
  • Annoying. 1/5

    By Swissglide
    Please stop asking for a review every time I use the app.
  • Spañol 5/5

    By Parmando
    Muy buena aplicación solo falta ponerla en spañol para que sea perfecta
  • Very good option 5/5

    By mapuglielli
    This is a 5 star option to u check your credit score Very good Thanks MAP
  • Love it! 5/5

    By NC1970
    Very useful tool, especially love the score simulator.
  • Just not good enough 1/5

    By sotem
    The credit wise app is ok but capital one's customer service lacks. My card has no rewards programs and slow response times. The real issue is that I applied after the offer was sent. You live and you learn. I love my discover it card.
  • Great app 5/5

    By Galen Seals INC
    Easy and very knowledgeable info. Simplicity at its finest.

    By Danny Channa(black)
    This app is very convenient, the options and instructions are just remarkable. I trust this app unlike other other app that sells your informations to third parties...I.e, when you pay money to lookup someone and you get the full detailed record and information, you wonder how those info are retrieved. Capital one and credit wise specialize in keeping your information confidential. I did my research and found out that they got the ball, they don't have to hustle for it.
  • App review 1/5

    By Jeriyargi1314
    This is an estimated prorated base credit score not the actual like provided by the real business credit Department. Don't recommend
  • Credit report 5/5

    By BrianCole1
    Love this app.
  • Very convenient. 5/5

    By ranchocopper
    Nice App. I can use finger I.D and then pay my bill, look at balance and check my credit score. Good deal
  • A+ 5/5

    By flex1209
    Very convenient one of the best
  • Credit 5/5

    By Mr DTD
    It's nice to find out your credit score
  • Really valuable app 5/5

    By Pettifogger from Boston
    Very shortly after I signed up for CreditWise I received a notification that I had changed my address and applied for a new card. I had done neither so I was very concerned. I was traveling at the time, but with the information about the transactions I was able to contact the bank that was issuing the card and tell them it was fraud. I also was able to contact TransUnion and put a fraud alert on my account with all three credit reporting agencies. I never expected that I would need CreditWise, but I am very happy that I signed up for it--all at no cost!
  • Great application 5/5

    By Mr. BuddyBoY
    Everything right there at the click of your Mobil device your credit status always accurate up to date best of all free of charge
  • Doesn't update often 1/5

    By Systemfire
    Doesn't update score often. It takes 3 months to show an update change.
  • Love 5/5

    By Dino Valintino
    I love what's in my wallet, thanks Capital One. Best Ken
  • Excellent 5/5

    By aida7rojas
  • Great service. Free but accurate. 5/5

    By Ara LFC
  • Rewiew 5/5

    By A Poorboys Bailbonds
  • Great app 5/5

    By Blaque Noiz
    Helped me review my credit weekly and easy breakdown on what affected it. I was able to bring my score up 80 points using the simulator.
  • Capital one Creditwise 1/5

    By Credit s.
    Well say most not truth and Tran Union never keep update at all none of credit report truth. Time fix system ever week up grade better you think web system better veryslow on all credit reports. Every month time change system update program 5 gram faster Quilty on web system. This not working junk don't work at all. Thank you. - grade F. Time fix some problems on % is not right this system slower every week. Time make some changes now. Faster speed. Both credit report.
  • Cap One 5/5

    By Phro67
    All good.
  • Love this app! 5/5

    By Aali505
    I love this app! It is EXTREMELY helpful and easy to use!
  • Love this app 5/5

    By Daisy9144
    Keeps me aware of score and any changes.
  • Mindful 5/5

    By fathers eye
    This app is great. It's a constant reminder to keep on top of my credit score and to management my credit accounts
  • Personal information 5/5

    By Nevada MaMa!
    Please keep me informed about my personal and credit information.
  • Limited info 2/5

    By Sirewolf
    Only shows information from one credit reporting agency..
  • Great app 5/5

    By Ab1234467
    Great app. Use it correctly and it can be an awesome tool to repair or maintain credit.
  • A pain on the iPad 3/5

    By U-jeans
    Only has a 'phone' mode, I.e. you have to turn the iPad 90 degrees and everything is in super-big letters.... Otherwise, such a nice app but...
  • A1 5/5

    By MeBJuicey😍😍
    Great app
  • Very useful! 5/5

    By Gissen1
    I love this app it very helpful easy to use and very quick and helps me keep myself on track. I love this!
  • Capital One app. 5/5

    By Billie Richmond
    Very pleased with how well it works!
  • Financial Advantage 5/5

    By Charlienet
    It's good to know your credit score and specially the reasons that are helping or hurting it.
  • Credit 5/5

    By Robbswifey
    Great service!
  • Improve Credit Score 4/5

    By Biz2Biz
    Very simple, free and a great start to understanding my credit score. Thank you Capital One for making this free with ads or pressure to sell me your products.
  • You got gimmicks 1/5

    By Reed's Thing
    If you want to help folks why are asking us to invest first with your bank.
  • They not rebuilding cause if they whee they would except Poor credit so it's a scam be aware 1/5

    By capitalone scam
    They are not rebuilding credit cause they don't except poor credit that's why you rebuild they are scamming be aware
  • So easy so accessible so detailed 5/5

    By bosschic314
    This is a great app to keep track of your credit score and accounts
  • Terrible app 1/5

    By BKellyo7
    Extremely slow. Doesn't allow you to pay on the app, and the credit score isn't accurate.
  • Citizen 5/5

    By Whintersky
    Thank you

Capital One CreditWise - Credit score and report app comments


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