Say Hello to Free Credit Monitoring with CreditWise

How CreditWise monitors your credit

CreditWise scans the dark web, tracks your Social Security number and checks your TransUnion® and Experian® credit reports for important changes. We do all this via soft inquiries—which have no impact on your credit score.

WHAT WE MONITOR FOR

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Tracking Experian® and TransUnion® credit reports

Lenders may report an application to one bureau but not another. We provide dual-bureau monitoring to help keep you connected to changes across your credit profile and to help you take an immediate action if there is potential fraudulent activity. You'll get an alert immediately if something meaningful changes on either credit report.

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Protecting your Social Security number

CreditWise tracks the names and addresses associated with credit applications linked to your Social Security number. You'll receive an alert if we detect that your SSN has been connected to a new name or email.

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Monitoring the dark web

Personal information gets sold anonymously on the dark web. CreditWise scans thousands of unsafe sites, hacking forums and illegal digital marketplaces for your Social Security number and email address. If we find anything, we alert you immediately.3

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GET CREDITWISE TODAY

Access free credit monitoring from Capital One

Get alerts for important changes to your Experian and TransUnion credit reports with CreditWise, a free app for everyone. Create an account or use your Capital One account for a quicker sign up.

HOW TO ENROLL

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Step 1.

Get CreditWise for free. Download it from the app store, enroll online or access it directly from your Capital One app.

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Step 2.

Tell us a little about yourself, review and accept our terms & you’re good to go.

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Step 3.

Stay in the know with free credit monitoring!

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MONITOR IDENTITY THEFT

How to monitor your credit for identity theft

Get alerts for important changes to your Experian or TransUnion credit reports to help you respond quickly to potential identity theft or fraudulent activity.

FREQUENTLY ASKED QUESTIONS

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.

LEARN MORE ABOUT CREDIT SCORE MONITORING AND ALERTS

More CreditWise Resources

Keeping a Close Eye on Your Credit