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CHECK YOUR FREE CREDIT SCORE

Help take control of your credit future with CreditWise—your free, easy-to-use tool to help improve your credit score

Terms and Conditions Apply
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Access Your Credit
Score Today

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Free Credit Monitoring

CreditWise offers free credit monitoring services to help track changes to your credit report, such as new accounts, hard inquiries, or address updates. They provide real-time alerts, helping you quickly identify unauthorized activity or potential fraud, and support maintaining a healthy credit profile.

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Free Credit Report

Understanding your credit score is a critical step in managing your financial health. Your credit score reflects your creditworthiness and influences decisions made by lenders, landlords, and employers. Regularly checking your credit report helps you stay on top of changes, identify errors, and monitor your financial progress. It also provides insights into the factors affecting your score, empowering you to make informed decisions about improving or maintaining it. Proactive monitoring can help you catch potential fraud early and take corrective action.

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Dark Web Alerts

Dark web alerts notify you if your personal information, such as Social Security numbers or credit card details, appears on the dark web. These services monitor criminal marketplaces and forums, providing timely alerts so you can take action, such as freezing accounts or changing passwords, to prevent fraud and financial losses.

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Credit Simulator

A credit simulator is a valuable tool that allows you to explore hypothetical scenarios and their impact on your credit score. For example, you can see how paying off debt, opening new accounts, or missing payments could change your score, empowering you to make informed financial decisions.

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Credit Check for Renting and Leasing

Landlords and leasing agencies may perform credit checks to evaluate your reliability as a tenant. A strong credit score could indicate responsible financial behavior which could also increase your chances of approval and may help you secure better lease terms or a lower deposit.

Terms and Conditions Apply
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You do not need to be a Capital One account holder to sign up for CreditWise and checking your credit will not hurt nor impact your score.
CreditWise compensates us when you sign up for CreditWise using the links we provided. In order to enroll in CreditWise, you need to be a U.S. resident, over age 18, and with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau. The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.