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Check your credit score for free—without affecting your credit—with CreditWise from Capital One.

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Check Your Credit Score in Minutes—for Free!

Regularly checking your credit score is part of a healthy financial routine. It helps you track how your financial decisions impact your credit standing and it can influence the decisions you make in the future. Changes in your credit score may also alert you to fraudulent activity.

100% Free With No Limits

100% Free With No Limits

CreditWise from Capital One lets you check your credit score for free—anytime, anywhere, 24/7. It will tell you everything you need to know about your score, including when it changes, how to improve it and how big financial decisions could affect it. The best part? CreditWise is 100% free to use. With CreditWise, checking your score has never been easier, and you don’t have to be a Capital One customer to enroll.

Safe and Secure Data Access

Safe and Secure Data Access

Your data is protected with leading security protocols (think 256-bit end-to-end encryption), and you can take advantage of valuable features like dark web monitoring, which alerts you when your information is exposed.

Easy-to-Use Mobile App

Easy-to-Use Mobile App

The mobile app makes it even easier to use CreditWise and its features all in one place. You’ll be able to access your free credit score anywhere at any time, with the option of added security of using biometrics or two-factor authentication to sign in.

Why Get Your Credit Report from CreditWise?

When you use CreditWise, you get more than a free credit report. You’ll gain access to tools and insights that may help you master your credit,like the CreditWise Simulator and personalized tips for understanding and improving your credit score. You’ll also get alerts if your Social Security number or email are found on the dark web or if there are important changes to your credit information at TransUnion® or Experian® (2 of the 3 major credit bureaus in the U.S.).

Want to know the best part? They’re all included in your free CreditWise account.

Know Your Credit Score

Know Your Credit Score

CreditWise shows your recent VantageScore® 3.0 credit score from TransUnion. You’ll be able to keep tabs on your credit score and receive alerts when there are important changes to your credit report.

Get Alerts When Your Credit Report Changes*

Get Alerts When Your Credit Report Changes*

Knowledge is power and getting real-time alerts when your credit report changes is vital knowledge. That’s why CreditWise offers dual-bureau monitoring (TransUnion and Experian) to help you keep tabs on key changes to your credit data and identify potential theft or fraudulent activity.

Immediate Alerts

Immediate Alerts

When we detect a meaningful change in your information—like a newly-opened account or a new address—we alert you immediately. If the information is incorrect, we help you navigate possible next steps, like starting a dispute or freezing your credit file.

Understand Credit Score Impacts

Understand Credit Score Impacts

CreditWise goes a step beyond providing a free credit score by offering a detailed, personalized credit summary. CreditWise helps you understand the key factors affecting your credit score and how it’s calculated. You’ll also get specific advice for boosting your score, based on information in your credit report.

Dual-Bureau Credit Alerts*

Dual-Bureau Credit Alerts*

Because lenders may only report accounts to one credit bureau, your credit report may differ between them. Only receiving credit alerts from one bureau could let suspicious activity go unnoticed. With our dual-bureau credit alerts, you’ll receive alerts when anything meaningful changes on your TransUnion and Experian® credit report.

Simulate How Future Decisions Could Impact Your Credit Score

Simulate How Future Decisions Could Impact Your Credit Score

Have you ever wanted to know how a situation will turn out before you make a decision? When it comes to your credit score, now you can. When you use CreditWise, you get access to our unique credit score simulator. The simulator shows you how financial decisions may impact your score before you make them, guiding your credit strategy.

*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 Your Free Credit Report from CreditWise Now!

At CreditWise, we believe in empowering people with the tools to effectively monitor their credit. We do more than show you your free credit report: we back it up with targeted advice, tools and alerts to help you monitor your credit.

All features are free, fast, secure and available to every adult with a Social Security number with a report on file at TransUnion. Sign up for CreditWise today and let us help you make a change.

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How to Check Your Credit Score for Free with CreditWise

Start by downloading the CreditWise app from Google Play (for Android devices) or the iOS App Store (for Apple devices). Search “CreditWise” and look for the app that says “CreditWise from Capital One.” You’ll know you’ve found it when you see our logo: a red half-circle with blue dots above it.
Once the app is installed, you’ll click Sign Up on the screen. You may then see a Let’s Get Started message that encourages you to give the app permissions on your phone. These are necessary to safeguard your account. If you want to learn more, click Why? on the screen.

When you’re done reading, click Ok. The Let’s Get Started screen will reappear—click Ok again and then click Allow on the permission popup.
After allowing app permissions, you’ll enter your first and last name and your email address. Read the disclosure that appears (explaining that some features may not be available if your information doesn’t match what’s on your credit report), then click Continue.

On the next screen, you’ll enter your birthdate, Social Security number, phone number and home address. Remember—all of your information is protected.
When you enter your information, the terms of service and privacy policy should appear. Review them carefully before agreeing to them, then click Locate My Credit Info.

Now is when you verify your identity for security purposes and to let us locate your credit information. Follow the prompts on the screen, which may include entering identifying information from previous tax records or uploading copies of your ID documents.

When your identity has been verified, you’ll finish creating your account—such as setting a password—and will have instant access to your free online credit report.

Learn More About Credit Score Monitoring And Alerts

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How Often Does Your Credit Score Update?

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Understanding the 3 Major Credit Bureaus

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What Is a Credit Report and What’s in It?

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VantageScore vs. FICO: Different Types of Credit Scores

Article | March 29, 2022 | 7 min read

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What Affects Your Credit Scores? | Capital One

Article | September 14, 2021 | 6 min read

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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.