Credit Service Review

Capital One CreditWise Review (2026)

A free, genuine FICO Score 8 for everyone, plus dark-web monitoring

By Wealthy Pot · Last updated September 2026

Free tierFully free: FICO 8 + monitoring (no card needed)

Paid priceFree

Bureaus monitoredTransUnion (score); TransUnion + Experian (alerts)

Score typeFICO Score 8 (real FICO)

ID-theft insuranceNo (free monitoring only)

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Who Capital One CreditWise is for

Anyone who wants a free, real FICO score, no Capital One card required

Free tier, price & what it monitors

Capital One CreditWise offers: fully free: fico 8 + monitoring (no card needed). Paid pricing: Free. It monitors TransUnion (score); TransUnion + Experian (alerts) and shows FICO Score 8 (real FICO). Identity-theft insurance: No (free monitoring only). Prices and features change, confirm the current details on the official site.

The bottom line

A free, genuine FICO Score 8 for everyone, plus dark-web monitoring Main drawback: score is one bureau (transunion); no identity-theft insurance.

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See how Capital One CreditWise stacks up in our credit-monitoring comparison, and learn why free scores differ from lenders' in is Credit Karma accurate?

We summarize each service's published features, not user reviews. Prices and features change and are re-checked against the official page. Free tools often show VantageScore, not the FICO score most lenders use. Some outbound links may be affiliate links — that never affects which services we include or how we rate them. Nothing here is financial or legal advice.