Capital One CreditWise
by Capital One
App Store
Finance
Free
4.8
Rating
288,132
Reviews
-
Downloads
22
Views
Description
CreditWise is a free credit monitoring tool that could help you improve your credit score.
We believe in empowering people with the tools to effectively monitor and manage their credit,
no matter where they are in their credit journey. That's why CreditWise is completely free. Plus,
using it won't hurt your credit score and you won't ever be asked to enter a credit card number.
With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit
report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free
access to identity theft monitoring tools—like dark web alerts—to help you take action when
your information is detected somewhere suspicious.
Get free:
● Updates as frequently as daily to your TransUnion-based FICO Score 8.
● Access to your TransUnion credit report to look for signs of error, theft or fraud.
● Alerts if your Social Security number or email address are found on the dark web.
● Clarity on how certain everyday decisions may affect your credit score with the Credit
Simulator.
● Helpful breakdowns of the key factors that make up your credit score and how you’re
doing on each of them.
● Suggestions to help you improve your credit score.
● Alerts about select changes to your TransUnion or Experian® credit reports.
● Alerts if any new names or addresses were associated with your Social Security number
on a credit application.
Ever wanted to know the impact of certain financial decisions on your credit score, before you
make them? CreditWise has a tool for that. Use the Credit Simulator to see how different
scenarios—like opening a new credit card—could affect your FICO Score 8. Knowing how certain
actions could impact your score may help you establish, maintain and build credit for more
financial stability.
CreditWise is free, fast, secure and available to every adult who is 18 or older residing in the US
with a Social Security number and a report on file at TransUnion. Download the app today and
take control of your credit.
The 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. You do
not need to be a Capital One account holder to sign up for CreditWise.
Alerts are based on changes to your TransUnion and Experian® credit reports and information
we find on the dark web.
The CreditWise Simulator provides an estimate of your score change and does not guarantee
how your score may change.
We believe in empowering people with the tools to effectively monitor and manage their credit,
no matter where they are in their credit journey. That's why CreditWise is completely free. Plus,
using it won't hurt your credit score and you won't ever be asked to enter a credit card number.
With CreditWise, you'll have free access to your FICO® Score 8 and TransUnion® credit
report—plus targeted advice, tools and alerts to help you monitor your credit. You'll also get free
access to identity theft monitoring tools—like dark web alerts—to help you take action when
your information is detected somewhere suspicious.
Get free:
● Updates as frequently as daily to your TransUnion-based FICO Score 8.
● Access to your TransUnion credit report to look for signs of error, theft or fraud.
● Alerts if your Social Security number or email address are found on the dark web.
● Clarity on how certain everyday decisions may affect your credit score with the Credit
Simulator.
● Helpful breakdowns of the key factors that make up your credit score and how you’re
doing on each of them.
● Suggestions to help you improve your credit score.
● Alerts about select changes to your TransUnion or Experian® credit reports.
● Alerts if any new names or addresses were associated with your Social Security number
on a credit application.
Ever wanted to know the impact of certain financial decisions on your credit score, before you
make them? CreditWise has a tool for that. Use the Credit Simulator to see how different
scenarios—like opening a new credit card—could affect your FICO Score 8. Knowing how certain
actions could impact your score may help you establish, maintain and build credit for more
financial stability.
CreditWise is free, fast, secure and available to every adult who is 18 or older residing in the US
with a Social Security number and a report on file at TransUnion. Download the app today and
take control of your credit.
The 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. You do
not need to be a Capital One account holder to sign up for CreditWise.
Alerts are based on changes to your TransUnion and Experian® credit reports and information
we find on the dark web.
The CreditWise Simulator provides an estimate of your score change and does not guarantee
how your score may change.
Expert Review & Analysis
## Capital One CreditWise App Review
Capital One CreditWise is a free mobile application designed to help users monitor and manage their credit health. Its primary function is providing users with access to their TransUnion FICO® Score 8 and associated credit report, along with various tools and alerts aimed at improving credit understanding and proactively identifying potential credit risks. The app's core purpose is to empower users with the information and resources necessary to make informed financial decisions.
1. What the App Does: CreditWise offers a comprehensive suite of credit monitoring tools. Its main functions include: displaying a user's FICO® Score 8 (based on TransUnion data), presenting their TransUnion credit report, delivering alerts about suspicious activity (like dark web mentions of their SSN or email), providing personalized credit score improvement suggestions, and offering a credit simulator to predict the impact of various financial decisions on their score.
2. Key Features: CreditWise's strengths lie in its accessibility and comprehensiveness. The free access to a FICO® Score 8 and TransUnion report is a significant advantage, often costing money through other services. The dark web monitoring provides an extra layer of identity theft protection. The credit simulator is a particularly useful feature, allowing users to experiment with hypothetical scenarios (like opening a new credit card) and understand the potential consequences before making real-world decisions. The app's clear and concise presentation of credit information, including explanations of score components, makes it user-friendly even for those with limited credit knowledge.
3. Use Cases: CreditWise is useful for a wide range of individuals. It's ideal for those wanting to:
* Monitor their credit score and report regularly: The app facilitates proactive tracking of credit health.
* Identify potential errors or fraudulent activity: Early detection of issues on the credit report can help mitigate damage.
* Improve their credit score: The app's suggestions and simulator provide guidance for positive credit behavior.
* Understand their credit report: The app simplifies complex credit information, making it easier to understand.
* Protect against identity theft: The dark web monitoring adds a valuable security layer.
* Plan major financial decisions: The simulator helps assess the credit impact of significant purchases or financial actions.
4. Target Audience: CreditWise is suitable for any adult (18+) residing in the US with a Social Security number and a TransUnion credit report. It's particularly beneficial for:
* Individuals new to credit: The app provides an educational resource for understanding credit basics.
* Those with limited credit knowledge: The app's user-friendly interface and explanations make credit management accessible.
* People seeking to improve their credit score: The app provides tools and guidance to achieve this goal.
* Anyone concerned about identity theft: The dark web monitoring offers peace of mind.
5. Overall Assessment: Capital One CreditWise is a highly valuable and user-friendly application for anyone wanting to monitor and improve their credit health. The free access to a FICO® Score 8 and TransUnion report, combined with the dark web monitoring and credit simulator, makes it a comprehensive and powerful tool. While it's crucial to remember that the FICO® Score 8 provided is one model and may not perfectly reflect scores used by all lenders, CreditWise's overall functionality, ease of use, and robust features easily justify its high rating. The app’s clear explanations and proactive alerts make it an excellent resource for both beginners and experienced credit users alike.
Capital One CreditWise is a free mobile application designed to help users monitor and manage their credit health. Its primary function is providing users with access to their TransUnion FICO® Score 8 and associated credit report, along with various tools and alerts aimed at improving credit understanding and proactively identifying potential credit risks. The app's core purpose is to empower users with the information and resources necessary to make informed financial decisions.
1. What the App Does: CreditWise offers a comprehensive suite of credit monitoring tools. Its main functions include: displaying a user's FICO® Score 8 (based on TransUnion data), presenting their TransUnion credit report, delivering alerts about suspicious activity (like dark web mentions of their SSN or email), providing personalized credit score improvement suggestions, and offering a credit simulator to predict the impact of various financial decisions on their score.
2. Key Features: CreditWise's strengths lie in its accessibility and comprehensiveness. The free access to a FICO® Score 8 and TransUnion report is a significant advantage, often costing money through other services. The dark web monitoring provides an extra layer of identity theft protection. The credit simulator is a particularly useful feature, allowing users to experiment with hypothetical scenarios (like opening a new credit card) and understand the potential consequences before making real-world decisions. The app's clear and concise presentation of credit information, including explanations of score components, makes it user-friendly even for those with limited credit knowledge.
3. Use Cases: CreditWise is useful for a wide range of individuals. It's ideal for those wanting to:
* Monitor their credit score and report regularly: The app facilitates proactive tracking of credit health.
* Identify potential errors or fraudulent activity: Early detection of issues on the credit report can help mitigate damage.
* Improve their credit score: The app's suggestions and simulator provide guidance for positive credit behavior.
* Understand their credit report: The app simplifies complex credit information, making it easier to understand.
* Protect against identity theft: The dark web monitoring adds a valuable security layer.
* Plan major financial decisions: The simulator helps assess the credit impact of significant purchases or financial actions.
4. Target Audience: CreditWise is suitable for any adult (18+) residing in the US with a Social Security number and a TransUnion credit report. It's particularly beneficial for:
* Individuals new to credit: The app provides an educational resource for understanding credit basics.
* Those with limited credit knowledge: The app's user-friendly interface and explanations make credit management accessible.
* People seeking to improve their credit score: The app provides tools and guidance to achieve this goal.
* Anyone concerned about identity theft: The dark web monitoring offers peace of mind.
5. Overall Assessment: Capital One CreditWise is a highly valuable and user-friendly application for anyone wanting to monitor and improve their credit health. The free access to a FICO® Score 8 and TransUnion report, combined with the dark web monitoring and credit simulator, makes it a comprehensive and powerful tool. While it's crucial to remember that the FICO® Score 8 provided is one model and may not perfectly reflect scores used by all lenders, CreditWise's overall functionality, ease of use, and robust features easily justify its high rating. The app’s clear explanations and proactive alerts make it an excellent resource for both beginners and experienced credit users alike.
Screenshots
App Information
Updated
2015-11-02
Content Rating
4+
Contains Ads
No
Developer
Capital One
Price
$0.00
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