Capital One CreditWise

• Free

Last verified 5 Sep 2026

4.8 308883 ratings · App Store

1. 5/5CreditWise App Now Offers TransUnion FICO 8. A Major Upgrade!

   Capital One’s CreditWise app just got a massive upgrade—and it’s a game changer for anyone serious about their credit! CreditWise now provides your TransUnion FICO Score 8, the same score model used by most lenders when making credit decisions. This is a huge step up from before, when CreditWise only offered the VantageScore 3.0, which was mainly for educational purposes and not typically used by lenders. Why This Matters •FICO Score 8 Is What Lenders Use: About 90% of top lenders rely on FICO scores, especially the FICO 8 model, to evaluate credit applications. This means the score you see in CreditWise is much more likely to match what banks, credit card issuers, and other lenders see when you apply for credit. •More Accurate Credit Insight: With access to your actual FICO Score 8 from TransUnion, you get a much clearer picture of your real credit standing. This helps you make smarter decisions and avoid surprises when you apply for loans, credit cards, or mortgages.

   David’s IPhone 14Promax · 5 Sep 2026

2. 5/5Helping to protect and Repair

   If you’re in the process of rebuilding, or keeping an eye on your credit, due to identity, theft, or other, definitely check out credit wise. I am using CreditWise for both. Unfortunately, I had my identity stolen, which, if you’ve never gone through that, it’s the worst. But luckily, for me, truly, credit wise, notifies me anytime there’s an alert or change on my credit report. It keeps me aware of what’s happening in real time. real time really matters if you’re dealing with identity theft. Because of credit wise, I was able to discover an additional hit on my credit report., And that’s being taken care of right now. In addition, I am working on, raising my credit score for a future endeavor. I love hopping onto CreditWise and checking the status on my credit score. There’s a lot more to it than that, they provide all kinds of information updates ways to build your credit., Kind of like a one stop shop for anything credit report. And I love that. Credit wise is become such a pillar in my quest to raise my score and keep the bad guys off my credit report. I highly recommend this app to anybody that’s concerned about what may or might be going on with their credit report and credit reporting history. If you’re interested in, just raising your credit score, you’ll honestly have fun using this app. It has helped keep me focused on the end goal. In a fun way.

   They will steal your $ · 5 Sep 2026

3. 5/5Must Have - Best Credit Data

   I have all three credit bureau apps, and none compare to the Capital One CreditWise App when it comes to useful data. You have so much more access to all your account data and more detailed data on CreditWise, than any other Credit App out there. I’ve tried a ton, and this is FREE… so you can’t go wrong with CreditWise. I’m not positive if you have to have a CapitalOne account, but if so, open a FREE checking and/or savings account with Capital One, which has some of the best rates anyway, and you’re set. I only opened accounts with the credit bureaus to get my FREE annual credit reports and free monthly updates, but Capital One CreditWise is my favorite and I’ve had it for many many years… it’s the best out there!!

   Ralichka · 5 Sep 2026

4. 4/5Helpful Free App for Credit Monitoring

   CreditWise is a very helpful user-friendly app for monitoring your TransUnion report. It updates weekly and allows you to view any changes, if there are any. It does provide a TransUnion-generated Vantage 3 credit score, which is usually considerably higher than the FICO scores that lenders actually use, so try not to take it overly seriously. Also, the credit simulator—which I think is also powered by TransUnion—sometimes provides some really wacky information, so try not to take it too seriously either. According to the simulator, my credit score would greatly increase if I were to allow all my bills to become delinquent for a month, and if my property would be foreclosed upon. It also shows that I’d see score gains if I were to have my wages garnished. Let’s hope that’s not accurate!

   Bobbyjj1 · 5 Sep 2026

5. 3/5Score 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.

   Kandi Yams · 5 Sep 2026

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