How CreditWise monitors your credit
CreditWise from Capital One scans the dark web, tracks your Social Security number and checks your credit report from two bureaus. Don’t worry–this is a soft inquiry that never affects your score.
Lenders may report an application to one bureau but not another. When something meaningful changes on your TransUnion or Experian report, you’ll get an alert automatically. This keeps you more connected to changes across your credit profile and helps fight fraud.1
CreditWise tracks the names and addresses associated with credit applications linked to your Social Security number. If your Social Security number is detected at Experian and connected to a new name or email, CreditWise will alert you.
Personal information gets sold anonymously on the dark web. CreditWise scans thousands of unsafe sites, hacking forums and illegal digital marketplaces for your Social Security number and email address. If we find anything, we alert you immediately.
GET CREDITWISE TODAY
Take advantage of credit monitoring and more with CreditWise, a free app for everyone. Create an account or use your Capital One account for a faster sign up.
Download the free app, add it to your Capital One app or enroll online.
Tell us a little about yourself, review and accept our terms & you’re good to go.
Get alerted with free credit monitoring on the credit info you gave us.
MONITOR IDENTITY THEFT
Find out about changes to your credit report early to stay ahead of any signs of identity theft or fraudulent activity.
What is credit monitoring?
Credit monitoring works regularly on your behalf to review your credit report and automatically alert you to changes that could be a result of suspicious activity. Of course, you can always check and monitor your credit reports and scores yourself. But fraudulent activity can happen any time and getting a prompt alert when that happens—instead of finding out about it months after the fact—can help you minimize and repair damage faster.
Why do I need credit monitoring?
Keeping an eye on your credit report can help you gain a broader understanding of your general credit health as well as spot issues that could indicate fraud or identity theft, which could affect your credit score. Getting a prompt alert about suspicious activity can help you quickly address the problem and protect your finances. Even when you don’t get credit fraud alerts, you can still check your CreditWise report whenever you’d like, keeping track of any changes to your credit score.
How much do credit monitoring services cost with Capital One CreditWise?
Credit monitoring services can save you a lot of money, but they don’t have to cost much. With CreditWise, you can enroll for free.
Is CreditWise considered credit monitoring?
CreditWise from Capital One is credit monitoring and much, much more. In addition to monitoring your credit, CreditWise scans the dark web for your Social Security number and email address, alerting you to potential identity theft and fraudulent activity in your name. CreditWise also includes a simulator tool that can explore the potential impact of your financial decisions before you make them.
LEARN MORE ABOUT CREDIT SCORE MONITORING AND ALERTS
More CreditWise Resources
Keeping a Close Eye on Your Credit