CreditWise from Capital One
Meet CreditWise from Capital One—now with FICO® Score 8!
Check your credit score, TransUnion® credit report and more for free— all without hurting your credit score.
KNOW YOUR SCORE & MORE
Understand your credit score
Get access to your FICO Score 8. Plus, personalized insights to help you dive deeper into your credit score.1
Get alerts for important changes
Get alerted when a new inquiry, delinquent account or other noteworthy change hits your TransUnion® and Experian® credit reports.2
Dark web monitoring
Know right away if your Social Security number or email address is detected on the dark web.2
HOW TO DOWNLOAD OUR MOBILE APP
1. Open your camera
Open the camera on your mobile device.
2. Scan this QR code
Point the camera at the QR code to scan it and click the link.
3. Sign in securely
Turn on biometric login to sign in to our encrypted app quickly and securely.
SECURITY YOU CAN COUNT ON
Rest easier with encryption
CreditWise uses 256-bit Transport Layer Security (TLS) protocol, which helps keep your information secure, encrypted and protected.4
START YOUR JOURNEY
Get your free credit score and report now
Check your FICO Score 8 and TransUnion credit report on the go with CreditWise's secure biometric login. Plus, take advantage of all the tools at your disposal—like the Credit Simulator and dark web alerts.
To download the CreditWise app on mobile devices, scan the QR code to launch either the Google Play Store or the iOS App Store.
FREQUENTLY ASKED QUESTIONS
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.
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.
Will using CreditWise hurt my credit score?
It won’t. You can use all of CreditWise's features without hurting your credit score.
What’s on your credit report?
1The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.
2Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.
3If you have an outdated browser, your connection to CreditWise (and most other sites) might not be secure. We recommend that you update your browser to a version that supports 128-bit encryption and secure sockets layer version 3.0 or higher.