Capital One CreditWise

Capital One CreditWise

  • Category: Finance
  • Release Date:
  • Current Version: 1.75.0
  • Adult Rating: 4+
  • Developer: Capital One
  • Compatibility: Android
  • Links: Google Play Store
192,789 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® or Experian® 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 or Experian credit report, if your Social Security Number or email address were found on the dark web, and if any new names or addresses were associated with your Social Security Number. ● 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 app screenshots

Capital One CreditWise app reviews

  • Forgot password does not work 1/5

    By Derpydewper
    Wife and I both installed this app, entered our social and gained access, its a good app when you’re able to use it. For some reason, either through upgrading the phone or the app our account seems to get locked and when attempting to use the “password forgot / reset” link, entering our last name + social + birthday, a message always appears that displays they cannot find the account. Only way to reset the password is by calling capital one which then redirects you to credit wise who then ask for your social to get a password reset. There has to be a better way. App still emails me vague updates that I am unable to see since i’m unable to log in. I’ve had this app now for over 3 years and have only really used the app for about a year of that the rest i’ve been locked out. Please fix this!
  • Tips 5/5

    By Pasty812
    Glad to receive and advise how to maintain excellent credit. Which I try hard to do. I am sad it went from 740 down to 624. I am trying to understand and find where I am going wrong to bring back. Thank you.
  • Yup 5/5

    By Hopeless-Ugh!
    They get’er done. 😁
  • Credit information 5/5

    By d yako
    Very helpful notify you of your credit situation if there’s any issues that you’re not aware of.
  • Great 4/5

    By zzzxyyyxxx
    Very handy and easy to see what my score is. But not always clear why my score changed.
  • Credit 5/5

    By Blaque Kearse
    One of the best apps to monitor credit Pay bills monitor Credit use overall Great to use
  • Easy and convenient 4/5

    By loweryard
    I have been with capital one for over ten years. Out of all the cards I have had this one works the best. No hidden fees, no oops we made a mistake. Just seem less, no nonsense business!! I like it!!
  • Very useful 5/5

    By Mauriciofsj
    Credit wise is always letting me update about any change in my Credt history it is very helpful, I love it so far thank you Credt wise!
  • Mildred bobe 5/5

    By millie bobe
    Excellent customer service
  • Card activation 4/5

    By desirus
    I am very sorry to say that I am not pleased with this process of my first credit card. For one keep in directed to credit wise from Capital One to activate my credit card there is no option whatsoever on site. And it’s offering me options for improving my credit which would be capital one credit cards? What is going on wouldn’t it be common knowledge through your platform and company thatI’ve already been approved and received my card
  • Excelente aplicacion. Ladymaria51 5/5

    By Ladymaria51 en Youtube
  • The best 5/5

    By paintslinger92
    Help keep track of what going on
  • Convenient & Helpful 5/5

    By davbenit
    Helps me keep an eye on my accounts and credit score. It’s helped everyone increase my score by several points!
  • Just what I needed 5/5

    By bijfqyz
    I’m on my way to achieving complete financial freedom and Capital One is going to help me do it!!!
  • Great app while it worked 3/5

    By Butimax
    Great for monitoring any credit activities. However, a recent update prompts you to provide a mobile number to verify your account. Problem is Capital One doesn’t have my cell phone, so it errors out with no way of getting in. Hope they update this unusable security feature soon.
  • Good 5/5

    By daginod
  • Great! 5/5

    By Francis B...
  • Great tool 5/5

    By Uncle Drew TSU
    I believe this tool is the best tool I’ve seen to figure out how to improve your credit on your own. My credit score increased right 50 points and then I saw a big decrease on my score and realize exactly how to fix it and I gained 91 points to my credit score through using the tool.
  • very good 5/5

    By Laplata1085
    Easy access, constant updating,
  • Can’t get it right 1/5

    By cricketb713
    Had to give 1 star in order to review. I would give zero stars . CREDITWISE is worthless. My credit score shows 100 points lower on CREDITWISE than the three major credit agencies. Also CREDITWISE will push offers for credit cards and tell you that a credit check of this type will not affect your credit. That is a big fat lie. These credit inquiries do in fact show up as hard inquiries on my credit report, thus lowering my score by a few points. This app is a joke & is quite useless. You’re better off using Experian Boost to help in your credit restoration.
  • Dr.Eng ali marashi 5/5

    By alimarashi
    Everything looks excellent.
  • 👎👎👎 1/5

    By pklzmom
    Completely inaccurate. Does not match your actual credit report. Slow to resolve issues.
  • K is for Keith, C is for Capital 5/5

    By FLYnKiLo9r
    I really like the credit stimulator aspect... I'm no gamer, but its ok to play with the stimulation of improvement for better credit. Running strong in the 720's and climbing shall continue. Capitol One, thanks for being my first credit card in decades!
  • 👍👍👍👍👍 5/5

    By T.Worrell
    💪 👈🏾
  • I love this App!!! 5/5

    By rcroca
    I love this app! It informs me of anything I need to know. Capital One Credit Wise.
  • Review of Capital one. 4/5

    By Andrew Lanceh
    Like CapitalOne , I have been paying my bill on time and submitting request to increase my credit line. Hope my onetime payments helps with my request.
  • Excelente 5/5

    By laacurritaaa
    Muy bueno
  • Awesome App!! 5/5

    By gutter1025
    Since I’ve gotten credit wise it has helped me so much I appreciate everything in the app. Thank you.
  • Not a very accurate site 1/5

    By John enjoy
    Takes months for them to update balances even though they claim they update every several days.
  • Worthless 1/5

    By EL0M
    Poor report, not able to contest information, inaccurate….
  • I love Capital One 5/5

    I love Capital One because of its Benefits No Monthly Service Charge. No Annual Fees The Best Fraud Alert Team. Accurate Information 365Days Professional Customer Service. No long Wait to speak to a Agent. And Best of All and the Number One Reason Why I even have a Capital One Card. My Credit Score has Constantly INCREASED.
  • Loving my credit score 5/5

    By mr ya feel me
    I just love this app it keep you up-to-date on so many things and help you upgrade your credit score 😎try it out
  • Esta bien 4/5

    By regrmz
    Esta muy bien
  • Great! 5/5

    By H&H66
    Helping me keep track of my credit reports. I am trying very hard to build my credit and the suggestions on credit wise are already helping!!
  • Accuracy 5/5

    By arcjr60
    Why is there always a difference between what these apps show on a credit score and what a lender get gets
  • I am very unsatisfied with Capital One credit Card 1/5

    By witch2020
    They just approved me for $500 credit line. And right after that, that said that they hit a snag. And it disappeared. My application and the approval. Everything is gone. They said to try again and that they are fixing it (the snag). I applied again and now they said that I am not approved. And that I might be very disappointed and that they understand it and that they will send me a letter why. I am one unhappy person with Capital One Credit Card.
  • The best 5/5

    By Darinsmen
    Love it
  • Thank you 5/5

    By hamdihashem
    Thank you very much your so helpful
  • Very user friendly a great app 5/5

    By toyodad
    Helpful when I want to check my credit score
  • Not accurate 1/5

    By Punchy cardinal
    100 points below my real score
  • Inaccurate 1/5

    By f this sh
    Checked my credit score on Credit Wise before purchasing my new car. Score on Credit Wise was 720. Score TRANSUNION had was 665. Aren’t we told this is based on Transunion reporting on this app? Why the discrepancy?
  • Stay on top 5/5

    By tony4009
    This program allows me to know how my current credit score is. Stay on top .
  • Best credit review 5/5

    By zavalac
    I really appreciate everything you’ve done for me and help me by giving me what if scenarios to fix and repair my credit thank you very much
  • Outdated Credit Information 1/5

    By Ptshelby
    This site is constantly reporting outdated and incorrect information as it relates to my credit history. Where are they getting there information from? I would never recommend this site to anyone.
  • Awesome 5/5

    By dglenmore2008
    I love this app, keeps up with the scores. Easy to use.
  • Unable to download 5/5

    By hrdheaded4
    Says it’s incompatible with my iPhone version to upgrade but there are no updates for me to download. Prefer to use the app.
  • Slow updating 2/5

    By crap 57
    Unable to keep up with current status . Two month plus lag in updated reports. Poor communication with lenders . Zero balance accounts won’t show for months. The service went downhill.
  • THANK YOU 5/5

    By KAYMATT55
    Anxiety no more… questions answered! Perhaps I will sleep tonight! I look forward to sharing the information I have ingested from your website with my husband who has had more than enough of his share of stolen information, and precious time, patience and fortitude it takes to sort these reoccurring practices of thieving out.
  • Arcysparky05 5/5

    By cfshktrcbjhehbb GFCI jnbx DJ
    Only keeps track of negativity quickly, takes for ever to acknowledge positives. Credit scores mean nothing anymore with how inaccurate they are. All this does is raise your blood pressure!