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What Is CreditWise?
Glad You Asked.
CreditWise is a tool that allows you to monitor your credit
score2. Using it won’t hurt your score and it’s free for
everyone, not just Capital One customers.
Know Your Score Before You Take a Test Drive
Shopping for a car is the perfect time to consider your credit health.
Understand Your Credit Score
Access your TransUnion® VantageScore® 3.0 credit score and TransUnion report anytime with CreditWise. It’s a great way to get to know the factors that may move the number up or down.
Keep Up With Changes
Have a new inquiry, delinquent account or other activity? Get alerted when your TransUnion or Experian report changes3.
Monitor Your Personal Information
Get alerted so you can take action if your Social Security number, email address, or other personal information is detected on the Dark Web3.
CreditWise FAQs
What’s On Your Credit Report?
Sign up for CreditWise today and begin working on your credit health today1.
Disclaimers
1. CreditWise compensates us when you sign up for CreditWise using the links provided. In order to enroll in CreditWise, you need to be a U.S. resident who is 18 or older with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau.
2. The CreditWise score is calculated using the TransUnion VantageScore 3.0 model, which is one of many scoring models. Your CreditWise score is a good
measure of your overall credit health, but it is not likely to be the same score used by creditors. Some monitoring and alerts may not be available if your enrollment does not match the information at one or more consumer reporting agencies.
3. Alerts are based on changes to your TransUnion and Experian credit report and information CreditWise finds on the dark web.