topic Re: Cap One Credit Tracker in General Credit Topics

Cap One Credit Tracker

Anonymous — Mon, 21 Apr 2014 01:10:55 GMT

I was pleased when I logged on to the Capital One website to see that they're offering free credit scores through their Credit Tracker service (I didn't see "FICO" anywhere though.) It's "powered" by Trans Union.

My issue is that I happen to have a PSECU account which gives me an honest-to-God FICO score, powered by TU. It's in the low 800's each month. Alas, this CapOne score is 768. Nothing has changed dramatically in the past month so I wouldn't expect a credit drop of anything close to this magnitude.

I know both are excellent scores, but a 50 point differential? What's the deal? Does anyone know whether the Cap One score is legit or is it another FAKO?

Re: Cap One Credit Tracker

Anonymous — Mon, 21 Apr 2014 01:16:51 GMT

I think I answered my own question. From the FAQ:

"Your Credit Tracker score is based on the TransUnion New Account model and is intended for consumer informational purposes only." FAKO.

Re: Cap One Credit Tracker

BluePoodle — Mon, 21 Apr 2014 01:23:47 GMT

@Anonymous wrote:
I was pleased when I logged on to the Capital One website to see that they're offering free credit scores through their Credit Tracker service (I didn't see "FICO" anywhere though.) It's "powered" by Trans Union.

My issue is that I happen to have a PSECU account which gives me an honest-to-God FICO score, powered by TU. It's in the low 800's each month. Alas, this CapOne score is 768. Nothing has changed dramatically in the past month so I wouldn't expect a credit drop of anything close to this magnitude.

I know both are excellent scores, but a 50 point differential? What's the deal? Does anyone know whether the Cap One score is legit or is it another FAKO?

Is this for people who have checking/savings account too? I have never found the info on my CC account.

Re: Cap One Credit Tracker

Imua — Mon, 21 Apr 2014 01:33:48 GMT

i believe the cap1 TU score is a FAKO.

interestngly, my cap1 TU FAKO was 792, higher than my late March TU FICO (787)

Re: Cap One Credit Tracker

gdale6 — Mon, 21 Apr 2014 01:39:16 GMT

The Cap-1 score is definitely a FAKO...

Re: Cap One Credit Tracker

Ghoshida — Mon, 21 Apr 2014 01:45:31 GMT

It is probably the same as Credit Karma.

For me, both the scores as of now are the same. The Cap One tracker showed a few more "indicators" than Credit Karma, such as "Available credit" and "Oldest Credit line" which in essence are repackaging of info that I can see on CK. Both are powered by TU.

Also, not a FICO. My FICO from Discover said 660. CK / Cap One says 605 !

Re: Cap One Credit Tracker

Anonymous — Mon, 21 Apr 2014 01:51:21 GMT

PSECU is EX 08, and the Cap One score is a FAKO derived from Credit Karma.

These scores may diverge from each other in arbitrary ways.

Re: Cap One Credit Tracker

chalupaman — Mon, 21 Apr 2014 14:00:18 GMT

Definitely a FAKO score. Last time I checked, I had like a 618 ("poor" on Credit Karma's scale), completely different from what my FICO scores have said and because of the inquries I had accumulated in a short time.