Capital One launches new CreditWise tools
Features include SSN tracker, credit alerts and dark web surveillance
The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy
The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank's website for the most current version of card offers; and please review our list of best credit cards to find our current offers, or use our CardMatchTM tool to find cards matched to your needs.
Capital One’s credit monitoring tool, CreditWise, has launched three new features to help users protect their credit and detect fraud quickly. Along with free, unlimited credit scores, the app now offers a Social Security number tracker, credit alerts and dark web surveillance. If any issues are detected, you will be notified via email or text alert, depending on your preference.
Discover was first to roll out similar Social Security number tracking and dark web scanning features in 2017, but those are only available to Discover cardholders.
If you’re not a Capital One customer, don’t worry – CreditWise is available to everyone.
Tracking your Social Security number
To help ensure that your Social Security number isn’t being used by others to apply for credit, CreditWise will alert you to new uses of your Social Security number. To accomplish this, the app uses information reported by Experian to track the names and addresses associated with credit applications linked to your Social Security number.
Previously, CreditWise only used TransUnion credit reports. However, they also now check Experian. If there are any signs of errors, theft or fraud, you will be alerted.
Dark web surveillance
To detect if your Social Security number or email address is on the dark web, CreditWise scans thousands of unsafe sites, hacking forums and illegal digital marketplaces. If your information is found, you will be alerted and given instructions on how to correct the issue.
How does it work?
Instead of simply informing you that there is an issue with your personal information, CreditWise wants to help you solve the problem. To accomplish this, the app will not only inform you if your Social Security number is being used inappropriately or if your details are being shared on the dark web, but it will also give you tips on the next steps to take to resolve the issue.
For example, if CreditWise finds that a different address is being associated with your Social Security number, you will receive an alert. Once you click on the alert, you will be taken to a page with more details about the issue:
By clicking on the “See something wrong,” button, you will be taken to a page that gives suggestions on how to resolve the problem.
- Cash back alternatives that compete with top travel cards – Though travel cards sometimes have a better point value, many cash back cards offer rewards rates that make them a better choice ...
- Guide to Priority Pass lounges – This huge collection of airport lounges is a plushy escape for frequent travelers ...
- Southwest Airlines debuts flights to Hawaii – Southwest Airlines has officially started selling tickets to Hawaii. Flights from California to Hawaii are scheduled to begin March 17, 2019, with inter-island routes launching in April ...