CreditWise

Capital One · checked 13 Nov 2026

#6 · Credit Monitoring Apps

Visit capitalone.com ↗ Alternatives CreditWise vs Credit.com

How it plugs in

—Public API

NoOpen source

YesFree tier

Signal on Credit Monitoring Apps6.1#6 of 13

CreditWise provides credit scores, credit reports and credit monitoring tools.

Pricing

CreditWiseFree; no payment required · All features free; enrollment requires U.S. residency, age over 18, valid SSN and a matching TransUnion credit profileFree

As capitalone.com lists them, checked 13 Nov 2026.

Near it

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Runs on

Web
Windows
Mac
Linux
iOS
Android

Facts

Website: capitalone.com
Price: Free tier
Free trial: No
Availability: The CreditWise app is offered for iPhone and Android, and CreditWise is also accessible through Capital One and CreditWise websites.
Credit monitoring: It monitors TransUnion and Experian and sends alerts about changes to credit reports.
Credit score impact: Using CreditWise does not hurt the user's credit score because it uses soft inquiries.
Credit Simulator: The Credit Simulator helps users explore how potential financial decisions may affect their credit score.
Dark web alerts: It can alert users when a Social Security number or email address is detected on the dark web.
Enrollment limits: Enrollment requires being over 18 and having a valid Social Security number matched to a TransUnion credit profile.
Personalized guidance: CreditWise provides a personalized credit summary and advice to help users understand and build credit health.
Score: CreditWise provides FICO Score 8 based on a TransUnion credit report; the score may update daily when users sign in.
Security: CreditWise uses 256-bit TLS protection; its iOS and Android apps offer biometrics or two-factor authentication.
Support and cancellation: Users can cancel CreditWise from the Settings page using the Cancel My Account option.

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Credit Monitoring Apps#6 of 13

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