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Capital One CreditWise app for iPhone and iPad

4.8 ( 5968 ratings )
Finance Productivity
Developer: Capital One
Current version: 1.9.0, last update: 10 months ago
First release : 02 Nov 2015
App size: 62.21 Mb

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® 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.

All features are free:
● 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 credit report.
● 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 CreditWises 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. Thats because lending decisions are complex and consider a number of different factors and scoring models.

Q: Im already enrolled in Capital One CreditTracker. Can I use the same username and password?
A: Yes. If youve already enrolled in CreditTracker, use the same username and password that you use to sign in to service your accounts on or to access the Capital One Mobile servicing app.

Pros and cons of Capital One CreditWise app for iPhone and iPad

Capital One CreditWise app good for

It was so easy to sign up. I couldnt believe that the app immediately had my score! Great app!
Ive gotten my credit score in many different ways but CreditWise goes beyond just giving me my score. The app is really easy to navigate and it teaches me more about what goes into my score. I also really like the simulator feature so I can see what I can do to improve my score. I really understand what my credit score is now that I have CreditWise.
A great way to understand what impacts my credit score. The simulator is a pretty awesome tool. Would love if they can also add recommendations for credit cards or what my score means in terms of loans.
Intuitive and easy to use. Helps me understand the approximate impact of key factors (e.g. available credit) on my credit score.
From a 1 to 10 I give you guys a 100 you are the best Yap is very professionally done. Keep the good work.
I love this app, and love especially that I dont have to have a CapitalOne credit card to use it. Ive told so many people about it, and how Im able to track my credit score over time as I try to improve it. Thank you!!

Some bad moments

Since its inception I wasnt able to use this app or desktop version. It keeps saying looks like we hit a snag try back shortly
Dont trust this score. It isnt even close to my 3 bureau score.
When I try to log into my account I continue to get an error code.. It states "we ran into a snag try again in a bit" .. Please fix this, it is soooooooo frustrating
I downloaded the app tried to sign up and it said "Hey we know you retrieve your username and password" so I went to the .com to retrieve my username and password, only to be told "the information does not match a username in our system" Tried to sign up ℗ the .com site and received the same message "Hey we know you retrieve your username and password". Useless!!!
For the past two days, when I try to open the app, it loads then crash. Please fix
Very inaccurate much lower credit score then other companies. Worthless!

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