Capital One FICO service

[BluePoodle]

---

@CenturyChild wrote:

@BluePoodle

When you log into your account sometimes a link will appear at the top of the main page, above your accounts mentioning it. 

If it isn't there look to the right of your accounts, where it says :"I Want To"" there is a list of things like go paperless etc...

There should be a link for 'Track my Credit Score"

---

Thanks! Found it!  It is really close to my Discover TU score, but then all of my Fako scores have been close to my FICO. Not sure why...but they are.

[Transmogrifying_Bee]

I just FINALLY saw my Capital One TU score today after several weeks of checking my account, to no avail!!  Some Forum members were seeing this "Credit Tracker" LINK weeks ago, so Capital One has obviously been rolling-out this feature to cardholders a bit at a time! 

As reported previously, this credit site gives exactly the same information as Credit Karma.  My TU FAKO Score from both is currently at 778.

[evil_ducky]

---

@youdontkillmoney wrote:

Signed onto my Capital One online account and a pop up message appeared offering free access to FICO scoring.

It's Transunion based.

But the interesting feature is they have a Simulator tab where you can adjust different factors and simulate the impact on your FICO:

You can toggle items such as the following and see how your FICO changes:

Eliminate all credit card balances Increase the balance on all credit cards Maintain a history of on-time payments (in months) Allow one monthly account to become delinquent (in days)

Allow every monthly account to become delinquent (in days)

Add credit card

 Add credit inquiries

 Raise the credit line on a card

 Add loan account

 Transfer balances to a new card

 Cancel your oldest credit card

 Tax Lien

 Foreclosure

Child Support

 Wage Garnishment

I's take it with a grain of salt though, for hypothetical entertainment purposes, interesting it even assigns grades:

On time payments: A

Oldest credit line, 23 years: B

Credit utilization, 1%: A

Recent inquiries, 5: C

New accounts, 8: D

Available credit, $150K+, A

This score is 765 but other sites such as Discover I get 819, Experian 817...so FAKO score from Cap One maybe

You also get delinquent account #, derogatory account #, total accounts, monthly payments, # open accounts 

---

That's weird how a credit history of 23 years only warrants you a B. My husband's shows his 9 years as a B as well. o_O