CreditWise

Editor's Review

CreditWise is your go-to app for understanding and managing your credit! 🚀 It's a completely free tool designed to help you monitor and even improve your credit score. You don’t need to be a Capital One customer to use it, and it won’t ask for your credit card number. 💳❌

With CreditWise, you get access to your FICO® Score 8 and TransUnion® credit report, along with personalized tips and alerts. It also offers identity theft monitoring tools, like dark web alerts, to help you protect your information. 🛡️

Key Features:

• Daily Updates: Get updates as frequently as daily to your TransUnion-based FICO Score 8. 🗓️
• Credit Report Access: Access your TransUnion credit report to check for errors, theft, or fraud. 🔍
• Dark Web Alerts: Receive alerts if your Social Security number or email address are found on the dark web. 🕸️
• Credit Simulator: See how different financial decisions may affect your credit score with the Credit Simulator. 📊
• Score Factors: Get helpful breakdowns of the key factors that make up your credit score. 💯
• Improvement Suggestions: Receive suggestions to help you improve your credit score. ✅
• Credit Report Alerts: Get alerts about select changes to your TransUnion or Experian® credit reports. 🔔
• SSN Monitoring: Alerts if any new names or addresses were associated with your Social Security number. 👤

Credit Simulator:

Ever wondered how opening a new credit card or taking out a loan might affect your credit score? The Credit Simulator lets you test different scenarios to see the potential impact on your FICO Score 8. 🏦

Eligibility:

CreditWise is 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. 🇺🇸

Important Notes:

• The credit score provided is a FICO® Score 8 based on TransUnion® data. Keep in mind that lenders may use different scoring models. 🏦
• The availability of CreditWise and its features depends on our ability to obtain your credit history from TransUnion. 📝
• Alerts are based on changes to your TransUnion and Experian® credit reports and information found on the dark web. 🚨
• The CreditWise Simulator provides an estimate and does not guarantee how your score may change. ⚠️

Take control of your credit today with CreditWise! Download the app and start monitoring your credit health. 💪

Features

• Free FICO® Score 8 access

• Daily TransUnion credit report updates

• Dark web identity theft monitoring

• Credit score simulation tool

• Personalized credit improvement advice

• Alerts for credit report changes

• SSN monitoring on credit applications

• Understand key credit score factors

Pros

• Completely free to use

• No credit card required

• Won't hurt your credit score

• Identity theft monitoring tools

Cons

• Based on TransUnion data only

• Simulator is an estimate only