Meet CreditWise®

Powered by Capital One®, free for everyone. Join the millions monitoring their credit scores for free. (BTW...it won’t hurt your score).

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SEE SOME OF OUR BENEFITS
Understand your credit score

Understand Your Credit Score

Discover key factors that impact your credit score (VantageScore 3.0, provided by TransUnion) and access your score and report anytime.

Keep up with changes

Keep Up With Changes

Get alerts from two bureaus (TransUnion and Experian) when there are important changes to your credit reports, including recent inquiries, delinquent accounts, and more.

Monitor Your Credit Information

Monitor Your Personal Information

CreditWise scans the dark web for your Social Security number and primary email address and sends you automatic alerts if any activity is detected—for free.

TOOLS TO HELP IMPROVE

Discover the Simulator

Discover the Simulator

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

Paying down your credit card balance? Increasing your credit limit? See how these and other financial moves might affect your score with the CreditWise Simulator. It’s like seeing into the future.

Start Using CreditWise Simulator Today

SECURITY

Your CreditWise Data is Secure

With our 256-bit Transport Layer Security (TLS) protocol, your CreditWise data is protected. CreditWise encrypts sensitive information, like your Social Security Number, preventing transfer on our site from outsiders.

Combined with our other security features—like secure sign-in using biometrics in mobile apps—you can be confident your information is secure.

TESTIMONIALS

Meet Our Users

“I couldn’t live without CreditWise, it has helped me a lot with recent identity theft that I’ve unfortunately experienced.”

JESSICA B.

“CreditWise is great as it allows you to check your credit score without harming it.”

MICHAEL S.

Get it on App Store

4.8/5.0

Get it on Google Play

4.7/5.0

GOT QUESTIONS? WE’VE GOT ANSWERS.
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.
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.
It won’t. You can use all of CreditWise's features without hurting your credit score.
Can’t find what you're looking for? View the full list of FAQs
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What’s On Your Credit Report?

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