Frequently Asked Questions

Credit Keeper is an online tool from Capital One that gives you access to your TransUnion^® credit score for free.

Credit Keeper won’t harm your credit score, no matter how often you check it.

We’re gradually rolling out Credit Keeper to Capital One customers who have Online Banking accounts. And later this year, we’ll be offering this tool to customers with the Capital One Mastercard^® exclusively for Costco members.

Unfortunately, Credit Keeper isn’t currently available for customers who live in the province of Quebec.

The credit score you’ll see in Credit Keeper is calculated by TransUnion, based on information from your credit report. TransUnion is one of the major reporting agencies in Canada. Lenders may request your score from TransUnion or from another source – they may also look at other relevant information when determining your eligibility for credit.

The credit reporting agencies can use different credit score models to calculate your score, so depending on where you check, you may get a different result. In addition, your credit score can change over time – if it’s been a while since you last checked, you may see a different score now in Credit Keeper.

Once you’ve enrolled in Credit Keeper, we encourage you to check your score regularly as we refresh it weekly. Just sign in to your Online Banking account to access Credit Keeper.

If you request your credit score from one of the credit reporting agencies, you’ll typically pay a fee, but Capital One is providing Credit Keeper for free.

We want you to be able to easily access your credit score, see how your score changes and learn what could impact it. We’re also committed to finding new and innovative ways to help you succeed with credit and work towards your financial goals, and Credit Keeper is another way we’re hoping to do just that.

You can view the Terms and Conditions at any time.

In 2014, Capital One launched CreditWise in the U.S. CreditWise is a tool designed to give customers access to their credit score for free. We’re now launching a similar tool in Canada called Credit Keeper^†.

Are you a U.S. Capital One customer? Click here for information on CreditWise.

Once you’ve signed in to Credit Keeper, select the settings icon (top right corner) and choose ‘Unenrol’. From there, follow the prompts to unenrol. Please note that your credit score and your Capital One credit card account(s) won’t be impacted if you unenrol from Credit Keeper.

If you can’t find the information you need on our “About Credit Keeper by Capital One” FAQ page, you can call us. If you’re not a Capital One cardholder, call 1-844-445-8785. If you are a Capital One cardholder, please contact us here.