CreditWise by Capital One Review (2026)
CreditWise by Capital One is a completely free credit monitoring tool available to anyone — not just Capital One customers — with TransUnion credit monitoring, a dark web scan, and a credit score simulator.
Disclosure: This product does not currently have an affiliate relationship with us. Our review is entirely independent. Learn more
Pros & Cons
What We Like
- Completely free — available to anyone, not just Capital One customers
- Dark web scan checks for your personal information in breach databases
- Credit score simulator shows how decisions affect your score
- Weekly TransUnion VantageScore updates
- Simple, clean interface — easy for credit monitoring beginners
What Could Be Better
- Only monitors TransUnion — not Equifax or Experian
- No identity theft insurance
- Dark web scan is periodic, not continuous real-time monitoring
- Limited features compared to paid services
Key Features
Free Dark Web Scan
Scans dark web databases for your Social Security number and email address — included free.
Credit Score Simulator
Model how financial decisions would affect your TransUnion VantageScore before you make them.
Weekly Score Updates
Your TransUnion VantageScore is updated weekly so you can track changes over time.
Credit Report Alerts
Alerts you when new accounts, inquiries, or changes appear on your TransUnion credit report.
Our Verdict
CreditWise is a solid free credit monitoring tool, particularly for consumers who are new to credit monitoring and want a simple, clean interface. The dark web scan is a meaningful bonus for a free service. For comprehensive protection, you'll want to pair it with a paid identity protection service — but as a free starting point, it delivers real value.
What Other Reviewers Say
The following quotes are credited to their original sources and are not written by Safety 1st Consumer Protection.
"CreditWise is a solid free credit monitoring tool that's available to anyone, not just Capital One customers. The dark web scan and credit score simulator are useful additions for a free service."
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