(App) Capital One CreditWise
Know your credit score and much more
Capital One CreditWise® is a free tool to check and monitor your credit score and it’s AVAILABLE TO EVERYONE not just Capital One® customers. Use CreditWise to understand what makes up your score and find helpful ways to take action to improve it. If your score is where you want it to be, use CreditWise to keep an eye on your accounts and get alerts when something changes on your TransUnion® or Experian® credit report.
Used by millions of Capital One customers, CreditWise (formerly CreditTracker) is key for anyone who wants to know, improve, or monitor their credit score. Using CreditWise won’t hurt your score, and you won’t ever be asked to enter a credit card number.
App Features :
Weekly TransUnion® VantageScore 3.0 credit score.
Review your credit report from TransUnion® to look for signs of error, theft, or fraud. Your credit report includes open/closed accounts, balances, hard inquiries, personal information, and public records that have been reported to TransUnion®.
Use the Credit Simulator to see how everyday decisions affect your credit score.
Learn about the key factors that make up your credit score and how you’re doing on each of them.
See personalized suggestions to help improve your credit score.
Get alerts letting you know about changes to your TransUnion or Experian credit report, if your Social Security Number or email address were found on the dark web, and if any new names or addresses were associated with your Social Security Number.
Simple, everyday tips on how you can take control of your credit.
Prepare Before You Act
How could closing a credit card account affect your credit score? How much could your score change if you pay off half your credit card debt or all your debt? See how these decisions could impact your score before you act by using our Credit Simulator.
Frequently Asked Questions
Q: Can everyone access the CreditWise app?
A: Yes. You just have to be 18 or older.
Q: Does using CreditWise hurt my credit score?
A: No. You can utilize all of CreditWise’s free tools and features without hurting your score.
Q: How can I use my CreditWise credit score?
A: Your CreditWise score is a good measure of your credit health and its progress. And just like any score from any source, chances are your CreditWise score won’t be exactly the same as the one your lender uses. That’s because lending decisions are complex and consider a number of different factors and scoring models.
Q: I’m already enrolled in Capital One CreditTracker. Can I use the same username and password?
A: Yes. If you’ve already enrolled in CreditTracker, use the same username and password that you use to sign in to service your accounts on CapitalOne.com or to access the Capital One Mobile servicing app.
Additional Information :
- Size 89.9 MB
- Requires iOS 13.0 or later.
User Reviews :
Apply for a credit card with capital one!
It is legit a great way to build your credit quickly! The first day, my credit went up 89 points! I was amazed! It will help! Pay your bill early as you go! When you do that and have 3 bigger bills you’ve used the credit card for, your score rises, with ON time payments, especially, early payments! If you pay as you go, don’t over spend, don’t spend frivolously, you’ll be just fine! Use your job money for paying off your credit card, use your credit card for bills! Sure, use your credit card for other expenses! But, priorities over desires! Remember this! Never open a capital one email, unless you get a notice verbatim an email, because hackers will be able to get your information from your bank, your address, etc! Use wisdom when using your credit card for sure!
Score isn’t accurate
I actually like this app, I use it because it’s connected to my Capital One credit card account but the score it shows isn’t accurate. I just paid $2151 to pay off 1 credit card and $1000 to pay off another, I was going to purchase a car at the end of they year because I’m waiting on my credit score to go up. In January it said it was 564, I made 2 small payments of $500 and $300 to 2 cards and it jumped 50 points to 614. So I’m like oh once these last 2 payments are made it’s gonna go up to 653 where I’m usually at and will be closer to 700 by December. Well I go into a dealership on Saturday February 24th and they told me if my credit score was 625 they’d give me a car with $0 down. My friend just bought her car a month before me and she told me her score was 652 and higher than what Credit Wise showed and she got a 2018 Honda CR-V with $0 down so I let them run mines. 30 minutes later the lady comes to me and say “which car do you want, go pick your car out cuz I got you with $0 down!” I rolled off the lot in a 2018 Mitsubishi Outlander SEL and my credit score with TransUnion is 667 where it shows 614 here on Credit Wise and they go by the TransUnion score, it was 632 with Experian as well so either way I was leaving the lot with a new car. They don’t go by Equifax anymore when looking for financing.
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