CreditWise from Capital One delivers free credit monitoring with FICO Score 8 and a TransUnion report, plus dark web alerts and a Credit Simulator. Ranked #170 in US Finance, it has 5,000,000+ total downloads and 22K downloads in the last 30 days.
Pros & Cons
Free access to FICO Score 8 and TransUnion report
Real-time alerts for report changes and dark web activity
Interactive Credit Simulator to model scenarios
Clear breakdown of score factors and actionable tips
Identity protection features beyond dark web alerts are not listed in the app entry
Eligibility and feature availability depend on data verification with TransUnion/Experian (some monitoring may not be available if enrollment data doesn’t match)
Limited to US adults 18+ with a TransUnion credit file and SSN
About CreditWise from Capital One
CreditWise from Capital One is a finance app developed by Capital One Services, LLC.
How many times has CreditWise from Capital One been downloaded?
CreditWise from Capital One has been downloaded 8 million times. In the last 30 days, the app was downloaded 22 thousand times.
What is the rating of CreditWise from Capital One?
CreditWise from Capital One is rated 4.62 out of 5 stars, based on 110 thousand ratings.
Is CreditWise from Capital One free?
CreditWise from Capital One is free to download. The last update was on July 12, 2024.
What are the requirements for CreditWise from Capital One?
CreditWise from Capital One requires Android 11+ or higher. The app has a content rating of Everyone. The app has been available on Google Play since April 2016.
Description
CreditWise is a free credit monitoring tool that could help you improve your credit score.
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Comments on CreditWise from Capital One for Android
★★★★★Debora Clark· Sep 11, 2026
I love this app! It tracks my credit report, I'm able to access it free and file disputes right in the app. (I've never had to use that feature, but it's nice that it's available.) I also love that it helps me understand my score, set credit goals and gives me tips to help me reach my goals. I also get a monthly update to my credit score and updates whenever anything new appears, is removed or a credit check is done. This app is a great tool to help with credit.
★★★★★Dominicon Chubb· Sep 1, 2026
Clear, user-friendly credit monitoring that keeps me on track Credit Wise is an exceptionally helpful tool for keeping track of my financial health. The app provides a clean, comprehensive overview of my credit score and diversified account information, making it effortless to monitor my progress and stay up to date. I particularly appreciate how easy it is to understand, allowing me to seamlessly track my ongoing journey toward improving my credit score.
★★★★★Tim· Aug 30, 2026
Very satisfied with the app. The creditwise app which is used by Capital One is actually more reliable than the Capital One banking app. Very stable and very responsive.
★☆☆☆☆Brian Varano· Sep 11, 2026
This user interface is terrible. Every time that I check my credit score, it asks me to download the app. I have already downloaded and installed the app. And yet, it still asks me every...single...time.
★★☆☆☆Kenneth Spector· Sep 11, 2026
Takes way too long to update credit score. Paid off my balance on Capital One credit and still had the balance weeks later.
★☆☆☆☆Sarah Park Hill· Sep 8, 2026
Not at all accurate. My credit score with all three bureaus is 790-820 but credit wise says it is only 740. Obviously not actually getting their information from TransUnion (820), Equifax (804), or Experian (790). Just don't bother. I highly recommend signing up for an Experian account and Credit Karma to monitor your credit accurately.
★☆☆☆☆Richard McCombs· Sep 12, 2026
Got notice of an issue. But link shows no information. So they are informing me of nothing? Question the legitimacy of this service. May need to look elsewhere.
Google Play Rankings for CreditWise from Capital One
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Trust & Safety: No explicit permissions are listed in the market entry. The app handles sensitive financial data via TransUnion reports and dark web alerts and is available to US adults 18+ with a valid SSN and a TransUnion file. Features and monitoring rely on data availability and verification, and some alerts may not be available if enrollment data does not match the credit file.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
