Reviews of Capital One CreditWise

By: Capital One App

List of user reviews and ratings for Capital One CreditWise

Total ratings

4.80 (Rating count: 307,535)

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Review summary

Overall, users praise CreditWise for solid monitoring, score tracking, and credit repair tools, plus useful information and long-term reliability. However, recurring issues include inaccurate/outdated data, difficulty correcting personal details, and inconsistent or slow-to-update scores. There are also requests for features like a true multi-bureau view and UI improvements (dark mode). A subset of reviews notes duplication with Capital One’s app and calls for faster data accuracy and updates.

Pros

Strong credit monitoring and score tracking that helps users monitor progress.
Tools and resources that aid in repairing credit.
Useful, well-presented information about credit.
Long track record of use indicating reliability.

Cons

Inaccurate or outdated information on reports (including personal details) and difficulty correcting it.
Scores are inconsistent, unreliable, and not updating promptly compared with other bureaus.
Inability to easily edit personal data (e.g., name or phone number) and other incorrect details.
Missing features and UI enhancements (e.g., true 3-bureau view, dark mode) and related usability gaps.

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User Reviews

Recent rating average: 3.50

All time rating average: 4.80

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31% (24)

Date	Author	Comment
2026-07-12	Br*****	5 Star
5 Star
2026-07-07	JA*****	Tried repeatedly to open account because site stated I already had an account. Went through several different steps to change password and wanted to update email. None of which worked.
Tried repeatedly to open account because site stated I already had an account. Went through several different steps to change password and wanted to update email. None of which worked.
2026-07-05	Bl*****	App won’t load and sends emails about my credit score going up 15 but only went up 2. Then when I do try to open the app, it won’t load and kicks me off the app. Terrible app
App won’t load and sends emails about my credit score going up 15 but only went up 2. Then when I do try to open the app, it won’t load and kicks me off the app. Terrible app
2026-07-03	JC*****	My score on CW is in the mid 600’s and no matter what I do, it will not go above a certain point. My score on Experian is in the mid 700’s. Why the difference, is it because Capital One is trying to push more CC? It makes no sense.
My score on CW is in the mid 600’s and no matter what I do, it will not go above a certain point. My score on Experian is in the mid 700’s. Why the difference, is it because Capital One is trying to push more CC? It makes no sense.
2026-07-03	Lu*****	They’re pretty good I’m satisfied with them
They’re pretty good I’m satisfied with them
2026-06-30	Wo*****	I’m old and not too swift on I-phones. After I fidget in I was happy. How do I see 50 accounts in my name please? Sincerely Barbara Holman
I’m old and not too swift on I-phones. After I fidget in I was happy. How do I see 50 accounts in my name please? Sincerely Barbara Holman
2026-06-29	Fr*****	OK
OK
2026-06-27	jo*****	I’m on month 5 and still haven’t received a credit score
I’m on month 5 and still haven’t received a credit score
2026-06-20	St*****	With me not being real tech savvy, this is a good way for me to find out how healthy my account is
With me not being real tech savvy, this is a good way for me to find out how healthy my account is
2026-06-16	Pa*****	I like credit wise
I like credit wise