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Capital One Credit Tracker?

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Creditaddict
Legendary Contributor

Capital One Credit Tracker?

I see this as offer when I sign in so I click it and accept and it says it's a Trans Union score and then pulls upa 598?!!! UMM WTH I have not had a 598 (especially with TU) since before the new year!!

What kind of Capital One BS is this?? They are quickly surpassing my hate of Wells Fargo!

Message 1 of 8
7 REPLIES 7
Creditaddict
Legendary Contributor

Re: Capital One Credit Tracker?

**Your Credit Tracker score is calculated based on the TransUnion New Account Model.

 

I have never heard of this and it makes me so mad... politics and money... UGH, I have to sign off, I can't deal today.

Message 2 of 8
juggalo9er
Valued Contributor

Re: Capital One Credit Tracker?

its credit karma....absolutely meaningless pay it no attention

Message 3 of 8
Lechte
Frequent Contributor

Re: Capital One Credit Tracker?


@Creditaddict wrote:

**Your Credit Tracker score is calculated based on the TransUnion New Account Model.

 

I have never heard of this and it makes me so mad... politics and money... UGH, I have to sign off, I can't deal today.


Haha....relax Credit...at least it gives you something to look at every month lol.    Like juggo said...it's a mini version of CK...exact scores.  I kinda like Cap1's summary layout a little better.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 4 of 8
Kenny
Moderator Emeritus

Re: Capital One Credit Tracker?

I was shocked to see 785. I know it doesn't mean anything, but it made me wonder what my actual ficos were.
Message 5 of 8
Ron1
Super Contributor

Re: Capital One Credit Tracker?

It is completely useless. It alert me pretty quick when someone HP TU. It is free. Smiley Happy

 

 

Ron.

 

 

 

Message 6 of 8
Longroad
Established Contributor

Re: Capital One Credit Tracker?

My scores are 50+ points lower than my Barclay and Wally FICO.  Not good at all. 

Message 7 of 8
chalupaman
Super Contributor

Re: Capital One Credit Tracker?

Credit Karma is mostly useless except for maybe the Vantage Score they give on the website. That's why I'm going to cancel my Experian and Transunion credit monitoring services and just use FICO exclusively.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 8
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