Capital One FICO service

[youdontkillmoney]

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 

[CenturyChild]

Unless this is something new, I think you are talking about the Credit tracker which is NOT a FICO.

Its just a FAKO score.  It is usefull for what it is, but I wouldn't put too much into the actual score.

[BluePoodle]

---

@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 keep seeing this mentioned but I have yet to see it on my account. Do you have something other than a credit card with Cap One?

[gdale6]

It is a FAKO score, the Trans Union New Account model.. Do not put faith in the score as already stated..

[PlasticOrPlastic]

---

@CenturyChild wrote:

Unless this is something new, I think you are talking about the Credit tracker which is NOT a FICO.

Its just a FAKO score.  It is usefull for what it is, but I wouldn't put too much into the actual score.

---

+1 its FAKO, and currently reflects 80 points lower than my Discover FICO. 

The simulator should have a disclaimer stating "for entertainment purposes only" its really bad for a lot of hypotheticals. 

[youdontkillmoney]

---

@CenturyChild wrote:

Unless this is something new, I think you are talking about the Credit tracker which is NOT a FICO.

Its just a FAKO score.  It is usefull for what it is, but I wouldn't put too much into the actual score.

---

^^^^

I'm not sure but it says it's from Transunion.

[DevotionToU]

I have the same link as the OP.  Right hand side of the page under "I Want To..."  Track My Credit Score

[youdontkillmoney]

---

@BluePoodle wrote:

---

@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 keep seeing this mentioned but I have yet to see it on my account. Do you have something other than a credit card with Cap One?

---

^^^

I have the Cap one platinum no hassle rewards and Quicksilver cards only, here's the link: https://creditscore.capitalone.com/web/index.html#simulator (actually this lnk takes you to a site that says it is down but if you go to the site from Cap one log on site, it works, so you cannot use this link to backdoor your way in it seems, must go thru the ca one site)

[youdontkillmoney]

---

@EndlessRoad wrote:

---

@CenturyChild wrote:

Unless this is something new, I think you are talking about the Credit tracker which is NOT a FICO.

Its just a FAKO score.  It is usefull for what it is, but I wouldn't put too much into the actual score.

---

+1 its FAKO, and currently reflects 80 points lower than my Discover FICO. 

The simulator should have a disclaimer stating "for entertainment purposes only" its really bad for a lot of hypotheticals. 

---

^^^

I agree, should be a huge disclaimer but at least it's something to play with

[CenturyChild]

@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"