CreditWise from Capital One

Monitor your credit score for free with CreditWise from Capital One, the app that puts real financial control in your hands. Whether you're building credit from scratch or maintaining an excellent score, you'll get the insights and alerts you need to make informed decisions about your financial health—without ever paying a dime.

Access your FICO Score 8 and TransUnion credit report instantly, with updates as frequent as daily. You'll see exactly what factors influence your credit score and where you stand on each one, giving you clarity about your credit health at a glance. Unlike other credit monitoring tools, using CreditWise won't hurt your credit score, and you'll never be asked to enter a credit card number.

Stay protected with free identity theft monitoring and dark web alerts. If your Social Security number or email address appears on the dark web, you'll get notified immediately. You'll also receive alerts if new names or addresses are connected to your Social Security number on a credit application—a key sign of potential fraud. These proactive warnings help you catch problems before they escalate.

Make smarter financial decisions using the Credit Simulator, an exclusive tool that shows you how different scenarios could affect your score before you commit to them. Curious about opening a new credit card? Want to know the impact of taking on new debt? The simulator lets you explore these what-if situations and see estimated score changes, empowering you to choose the financial moves that align with your goals.

Receive targeted alerts about select changes to your TransUnion and Experian credit reports, keeping you informed every step of the way. Get personalized suggestions to help improve your credit score based on your unique credit profile. Whether it's managing your credit utilization, diversifying your credit mix, or understanding payment history, you'll have actionable recommendations tailored to your situation.

CreditWise from Capital One is completely free, secure, and available to all U.S. adults aged 18 and older with a Social Security number and a credit file at TransUnion. You don't need to be a Capital One customer to sign up—this tool is designed for everyone who wants to take control of their credit journey. Download today and start monitoring your credit with confidence.