CreditWise from Capital One

A free credit monitoring tool that could help you improve your score. At CreditWise, we believe in empowering people with the tools to effectively monitor their credit. We do more than show you your free credit report: we back it up with targeted advice, tools, and alerts to help you monitor your credit. And that's not all - CreditWise provides identity theft monitoring tools such as dark web alerts and a credit simulator to help you forecast the potential effects of your credit decisions.

Key Features:

• Updates daily to your TransUnion VantageScore 3.0 credit score


• Access to your credit report from TransUnion to look for signs of error, theft, or fraud


• Credit Simulator to see how everyday decisions may affect your credit score


• Breakdowns of the key factors that make up your credit score


• Suggestions to help you improve and take control of your credit score


• Alerts about select changes to your TransUnion or Experian credit reports


• Alerts for dark web activity and new associations with your Social Security Number

Popular Feature: Credit Simulator

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? Use our Credit Simulator to forecast how everyday decisions might affect your score before you act.

CreditWise is free, fast, secure, and available to every adult who is 18 or older residing in the US with a Social Security number and a report on file at TransUnion.