CreditWise from Capital One

CreditWise is an application that aims to empower individuals by providing them with the necessary tools to effectively monitor their credit. It goes beyond just showing you your free credit report, as it also offers targeted advice, tools, and alerts to help you keep track of your credit. Additionally, CreditWise offers identity theft monitoring tools such as dark web alerts and a credit simulator, which allows you to forecast the potential impact of your credit decisions.

With millions of users, CreditWise is an essential tool for anyone who wants to know, improve, or monitor their credit score. The best part is that using CreditWise will not harm your credit score, and you will never be asked to enter your credit card number.

All of CreditWise's features are completely free, including daily updates on your TransUnion® VantageScore 3.0 credit score, access to your credit report from TransUnion® to check for any errors, theft, or fraud, and the Credit Simulator, which helps you see how everyday decisions may affect your credit score. You can also find helpful breakdowns of the key factors that make up your credit score and receive suggestions on how to improve and take control of it.

CreditWise also offers alerts for select changes to your TransUnion® or Experian® credit reports, as well as alerts if your Social Security Number or email address are found on the dark web. It will also notify you if any new names or addresses are associated with your Social Security Number on a credit application.

One of the most popular features of CreditWise is its tool that allows you to forecast how everyday decisions might affect your credit score. For example, you can see how closing a credit card account or paying off a certain amount of credit card debt could impact your score before making any decisions.

CreditWise is free, fast, and secure, and it is available to all adults aged 18 or older residing in the US with a Social Security number and a credit report on file at TransUnion. So why wait? Sign up for CreditWise today and let us help you take control of your credit score.