topic Cap One credit tracker? in Credit Cards

Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 01:38:17 GMT

Hi all

Is the cap one credit tracker score good for anything? Is that the score they use to make cc application decisions?

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 01:39:45 GMT

The most useless Fako of all the Fakos. Even Cap One doesn't use it.

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 01:48:30 GMT

It's totally useless - but I still like to track it. My real TU FICO is 806, however today the update from Cap One was 665. Go figure. Have no idea what FAKO or FUKO or whatever it is.

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 02:42:48 GMT

My Cap One tracker TU is 577 and my FICO 08 according to discover and barclay is 694. I just use Cap One to make sure accounts are reporting, etc. As far as scores go, I'd say useless.

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 02:44:48 GMT

CapOne uses the pre-Vantage CK scoring model that is entirely useless.

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 02:52:43 GMT

Ok, so no point paying any attention to it. Thanks.

Re: Cap One credit tracker?

Anonymous — Thu, 11 Jun 2015 03:21:17 GMT

@Anonymous wrote:
Ok, so no point paying any attention to it. Thanks.

Put it this way, if they had used the score on credit tracker, I would have never gotten approved for my Venture and Venture One accounts.