CreditWise Reviews

CreditWise, found online at, is a new service from credit provider CapitalOne 360 which helps people to monitor their credit, whether or not they are a CapitalOne customer.

How Does It Work?

According to their website, understanding your credit score is one of the most important factors toward improving your financial health and achieving good financial stability.

Unfortunately, most people don’t understand their credit score and don’t really want to pay for a service that gives them their credit score and explains why it is what it is.

CapitalOne wanted to change this by providing people with a service that everyone could use to improve their credit score and financial understanding.

As a member of CreditWise, you will receive your TransUnion credit score, as well an explanation of the key factors that impact your credit score. 

As a CreditWise member you will be able to review your existing credit report for signs of error, theft, or fraud, and if you something looks wrong to you, they will help you understand what to do next.

In addition, you will receive email alerts whenever your TransUnion credit report changes, including recent inquiries, delinquent accounts, and more.  

But one of the most unique features of this company and service is that they provide their members with a credit Simulator. This Simulator allows you to understand the impact of your financial decisions before you make them.

What will opening or closing a credit card do to your score? What about making a new big charge, or paying off a large amount? CreditWise aims to tell you what to expect. 

Mobile Options

Currently this mobile application is available as a free download for both iOS and Android devices and smart phones, as well as is available through website through any internet connected device. 

Cost & Price Plans

Their website is very proud to offer all of their features and services to all customers – including those that are not CapitalOne credit card holders – completely for free.

This company does offer many other services that might be paid services, but these are separate from CreditWise. 

Refund Policy

Because this company does not charge their members any fees for the information they provide, they also do not provide their members with any information regarding a Refund Policy at this time.

If you make the independent decision to purchase any services from CapitalOne after you have worked with CreditWise, you will need to speak to their Customer Service team regarding any questions or concerns you have.  

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at 877-383-4802 to speak to the general CapitalOne Customer Service team. 


In general this service appears to be both applauded and well-respected within the financial community as being a wonderful way for people to keep track of their credit score and how their future financial decisions will affect it. 

It is important that people understand that this service is powered by TransUnion, one of the three major credit agencies, and that people should be taking time throughout the year to also track their Experian and Equifax. 

In addition, because this service only provides information about a single agency’s report, customers need to understand that this is not their FICO score, which is a different type of credit score that customers will need to check when they are ready to make a large purchase, such as buying a house. 

Competitors and Alternatives?

There are many different services that attempt to help people understand their credit score and how to improve it, as well as many different services that want to help people find and track their current credit score.

That being said, most of these services work in very limited time frames, and CreditWise stands out from the pack because they allow their members to check their score whenever they choose.      

If you have any experience with CreditWise or their services, please leave your reviews below.

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CreditWise Customer Reviews

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Bogus and Inaccurate Scoring
November 19, 2022
CreditWise is bogus. My credit history in CreditWise is the same as the Big 3 credit reporting companies. CreditWise is nearly 100 points lower than my FICO score which lenders really use. CapitalOne's use of CreditWise is just a way for them to keep your interest rates high for CapitalOne's products.

Not accurate information.
October 3, 2022
I used this one time. Never rely on Creditwise for truthful or accurate information. I checked the more established and reliable agencies and saw the big difference. I will never consider Creditwise as either.

February 1, 2022
CreditWise is bogus. Claims my score is based upon my TransUnion report. Nothing could be further from the truth. I pulled my annual free reports and purchased my credit scores after seeing my CreditWise Advantage score. Creditwise scoring does not match any of my 700+ FICO, Equifax or even TransUnion scores. I do not trust CreditWise.

Significant drop in credit score
May 11, 2020

All payments on time. No new business or credit checks and my score drops 75 points. EXPLAIN THAT!!!!!!

Equifax has my score at 150 points higher. EXPLAIN THAT!!!!!

Racially Bias
May 10, 2020
The are numbers of factors that show they are BIAS. But this is not unusual.

Dec 7
December 7, 2018
Everything in my report decreased my debt and increased credit. My score went firm. Explain that

JamesJustinger May 11, 2020

All payments on time, no new business and my score dropped 75 points. EXPLAIN THAT!!!!

FYI...Equifax has me at 150 points higher. EXPLAIN THAT!!!!!