Monitor your credit.
For free. For everyone.

Join the millions using CreditWise® from Capital One® (BTW... it won't hurt your score).

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Understand your credit score

Understand Your Credit Score

Discover key factors that impact your VantageScore® 3.0 credit score, provided by TransUnion®.

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Keep Up with Changes

Get email alerts whenever your TransUnion® credit report changes, including recent inquiries, delinquent accounts, and more.

Monitor Your Credit Information

Monitor Your Credit Information

CreditWise tracks your SSN, scans the dark web, and sends you automatic alerts from two credit bureaus—for free. Learn more.

Credit scores

Your score from CreditWise…

Is a good measure of your credit health. Just like any score from any source, chances are your CreditWise score won't be the same one your lender uses since lending decisions consider many different factors and scoring models.

Click here for more info.

Discover the Simulator

Explore the potential impact of your financial decisions before you make them.

CreditWise is secure and will never hurt your credit

Your CreditWise data is encrypted

Your CreditWise data is encrypted with 256-bit Transport Layer Security (TLS).

CreditWise is secure and will never hurt your credit

Your CreditWise data is encrypted

Your CreditWise data is encrypted with 256-bit Transport Layer Security (TLS).

TESTIMONIAL

Meet one of our users.

Got questions? We've got answers.

01.

Who can enroll in CreditWise?

02.

What info do I need to have handy when I sign up?

03.

Will using CreditWise hurt my credit score?

Can't find what you're looking for? View the full list of FAQs

Thank you.

From our CreditWise team.

Will using CreditWise hurt my credit score?

It won't. You can use all of CreditWise's features without hurting your credit score.

What info do I need to have handy when I sign up?

To sign up, we'll ask you for some basic personal information. Next, we'll have you confirm some information to protect your identity. Then you'll set up your account to make sure you can access CreditWise, even if you forget your password. If you're a current Capital One customer, you can use your existing online credentials to access CreditWise.

Who can enroll in CreditWise?

Anybody can get CreditWise, even if you're not a Capital One customer. You need to be over the age of 18 with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau.

Bienvenido a CreditWise

Nos complace ofrecer CreditWise en español. Aunque algunas opciones están disponibles en español, la app y ciertas páginas y servicios solo están disponibles en inglés en este momento. Cuando el contenido no esté disponible en español, usted debe revisarlo en inglés porque puede tener información importante sobre su cuenta. Al usar CreditWise en español, ciertas comunicaciones de CreditWise se le enviarán en español. ¿Le gustaría continuar en español?