Say hello to features
that help you
monitor your credit.*

Phone with SSN notification

We know you like to keep an eye on your credit. We also know that family, work and life can tug you in different directions and monitoring your credit often falls to the bottom of your to-do list. That's why we have 3 features to help you monitor your credit—for free.

Map with address pin

SSN TRACKING


Keep tabs on information associated with your social security number.

CreditWise tracks the names and addresses associated with credit applications linked to your social security number, as reported by Experian®. CreditWise draws on this data to alert you to uses of your social security number associated with a new name or address.

DARK WEB SURVEILLANCE


We alert you if your social security number or email address is found on the dark web.

The dark web is where criminals can anonymously buy and sell stolen personal information. CreditWise scans the dark web, including thousands of unsafe sites, hacking forums, and illegal digital marketplaces, and alerts you if we find your social security number or email address so you can take action.

Flashlight over ID cards
Flashlight over ID cards

DARK WEB SURVEILLANCE


We alert you if your social security number or email address is found on the dark web.

The dark web is where criminals can anonymously buy and sell stolen personal information. CreditWise scans the dark web, including thousands of unsafe sites, hacking forums, and illegal digital marketplaces, and alerts you if we find your social security number or email address so you can take action.

Magnifying glasses over reports

DUAL BUREAU CREDIT ALERTS


Two bureaus are better than one when it comes to spotting potential fraud.

Lenders are not required to report applications for credit to every bureau. Meaning, applications for credit (real or fraudulent) may go unnoticed if you're only keeping up with one bureau. When something meaningful changes on either your Experian or TransUnion® credit report, CreditWise will send you a credit alert.

Let us help you monitor your credit.

Dark Web Scanning

Dual Bureau Credit Alerts

SSN
Tracking

TransUnion
Credit Report

*CreditWise monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies.

Say Hello to Free Credit Monitoring with CreditWise

We know you like to keep an eye on your credit, but it often falls to the bottom of your to-do list. CreditWise can help you monitor your credit—for free.

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How Credit Monitoring Works with CreditWise

CreditWise from Capital One is your convenient online tool that monitors your credit score and sends you automatic alerts for many changes—for free. CreditWise does a dark web scan, tracks your Social Security number and makes a soft inquiry to check your credit report from two credit bureaus—which never affects your credit score.

Dual Bureau Credit Monitoring

Dual Bureau Credit Monitoring*

Two bureaus are better than one when it comes to spotting changes to your credit report and potential credit fraud. Lenders are not required to report applications for credit to every major bureau, which means that credit applications (real or fraudulent) may go unnoticed if you're only keeping up with one bureau. When something meaningful changes on your Transunion or Experian credit report, CreditWise will send you a credit alert.

Social Security Number Monitoring

Social Security Number Monitoring

Keep tabs on information associated with your Social Security number. CreditWise tracks the names and addresses associated with credit applications linked to your Social Security number. CreditWise draws on this data to alert you to uses of your Social Security number associated with a new name or address.

Dark Web Monitoring

The dark web is where criminals can anonymously buy and sell stolen personal information. CreditWise scans much of the dark web, including thousands of unsafe sites, hacking forums and illegal digital marketplaces, and alerts you if we find your Social Security number or email address so you can take action.

*Some CreditWise monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your file with Experian, or if you do not have a file with Experian.

GET CREDITWISE TODAY

How to Get Free Credit Monitoring From Capital One

It is easy to set up free credit monitoring with CreditWise, whether you have a Capital One account or not. Use the CreditWise app to sign up for free credit monitoring services or sign in with your Capital One account.

HOW TO ENROLL

Dual Bureau Credit Monitoring

Step 1.

Enroll online, download the CreditWise app for Apple or Android devices or add CreditWise to your existing Capital One app to get started right away.

Social Security Number Monitoring

Step 2.

Provide the information requested, read and accept the terms of use and you’re all set.

Step 3.

Step 3.

CreditWise will link your account to your credit information and your free credit monitoring services will begin.

MONITOR IDENTITY THEFT

How to Monitor Your Credit for Identity Theft

Credit report changes could mean that you have been the victim of fraudulent transactions or identity theft, but manually reviewing your accounts takes time.

Credit monitoring can do that work for you and help you spot signs of these faster so you can act quickly to minimize and repair the damage to your financial reputation. Capital One is committed to helping you monitor for potential identity theft through CreditWise.

CreditWise Credit Monitoring FAQ

Credit monitoring works regularly on your behalf to review your credit report and automatically alert you to changes that could be a result of suspicious activity. Of course, you can always check and monitor your credit reports and scores yourself. But fraudulent activity can happen any time and getting a prompt alert when that happens—instead of finding out about it months after the fact—can help you minimize and repair damage faster.
Keeping an eye on your credit report can help you gain a broader understanding of your general credit health as well as spot issues that could indicate fraud or identity theft, which could affect your credit score. Getting a prompt alert about suspicious activity can help you quickly address the problem and protect your finances. Even when you don’t get credit fraud alerts, you can still check your CreditWise report whenever you’d like, keeping track of any changes to your credit score.
Credit monitoring services can save you a lot of money, but they don’t have to cost much. With CreditWise, you can enroll for free.
CreditWise from Capital One is credit monitoring and much, much more. In addition to monitoring your credit, CreditWise scans the dark web for your Social Security number and email address, alerting you to potential identity theft and fraudulent activity in your name. CreditWise also includes a simulator tool that can explore the potential impact of your financial decisions before you make them.
If you discover possible fraud on your credit report, you can consider putting a fraud alert on your credit report. A fraud alert instructs any business or entity that receives a credit application in your name to verify your identity before proceeding with the application or granting a credit line increase. This can help prevent fraudsters from opening credit cards and lines of credit in your name. You only need to contact one credit reporting agency to activate a fraud alert, and they will notify the other agencies. Learn more about how to use credit alert services.
A credit freeze can prevent anyone from viewing your credit report, effectively prohibiting scammers from opening new accounts in your name. However, an identity thief could still use the accounts that are already open. For this reason, even if you’ve frozen your credit, credit monitoring is still important.

LEARN MORE ABOUT CREDIT SCORE MONITORING AND ALERTS

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How To Check Your Credit

Article | July 20, 2021 | 5 min read

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Understanding the 3 Major Credit Bureaus

Article | July 20, 2021 | 5 min read

MONEY MANAGEMENT

What Is a Credit Report?

Article | October 8, 2020 | 9 min read

JOIN CREDITWISE TODAY

Keeping a Close Eye on Your Credit

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*Some CreditWise monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your file with Experian, or if you do not have a file with Experian.