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No update from Cap One?

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New Contributor

No update from Cap One?

Maybe I am being impatient or maybe it's just the  excitement of a FICO bump? Last month my cap one card updated on the day my bill was cut, the 23rd, I saw the score update that afternoon. This month however the bill was cut  on the 23rd but it has not updated to the CB's. Is this a fluke? Or is something going on this month?

6/16 EQ - 569, TU - 539, EX -536
2/17 EQ - 599, TU 622, EX - 575
6/16 - C1 Secured card $200.00 limit, Car loan 15K
2/17 C1 SC -$500, Credit One - $700, Merrick Visa - $550, Amazon Store Card - $800, Walmart store card - $500, Comenity tradelines - $3K
Message 1 of 7
6 REPLIES 6
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Frequent Contributor

Re: No update from Cap One?

My capital one payemnt date is the 15th, my statement close is the 18th.   I uaually see my status updated to CB's on the 21st.  This month it was the 22nd.  Now, let me make you aware that I have only had 3 statements to compare..lol.  

EQ Fico 8 - 807
TU Fico 8 - 804
EX Fico 8 - 781
As of 09/03/17
Message 2 of 7
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New Contributor

Re: No update from Cap One?

Well that makes sense, I was just a little concerned since the FICO updates were the same day as my statement cut date last month. Anyway, do you live in Palmdale or does your username have some other significance?

6/16 EQ - 569, TU - 539, EX -536
2/17 EQ - 599, TU 622, EX - 575
6/16 - C1 Secured card $200.00 limit, Car loan 15K
2/17 C1 SC -$500, Credit One - $700, Merrick Visa - $550, Amazon Store Card - $800, Walmart store card - $500, Comenity tradelines - $3K
Message 3 of 7
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Frequent Contributor

Re: No update from Cap One?


@Okele wrote:

Well that makes sense, I was just a little concerned since the FICO updates were the same day as my statement cut date last month. Anyway, do you live in Palmdale or does your username have some other significance?


Afroman song Smiley Happy  Also, wanted to chose something I don't use elsewhere..lol. 

EQ Fico 8 - 807
TU Fico 8 - 804
EX Fico 8 - 781
As of 09/03/17
Message 4 of 7
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Valued Contributor

Re: No update from Cap One?

Mine also is the 18th and appeard to post on the 21st
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 5 of 7
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Moderator Emeritus

Re: No update from Cap One?

The score you're getting on the CapOne site is not a FICO score, it's a Vantage 3.0 score.  Very different

Message 6 of 7
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New Contributor

Re: No update from Cap One?


@Irish80 wrote:

The score you're getting on the CapOne site is not a FICO score, it's a Vantage 3.0 score.  Very different


Yes, I knew this. However I believe it also updates FICO scores the same day as Credit Wise. Which is what Im concerned about.

6/16 EQ - 569, TU - 539, EX -536
2/17 EQ - 599, TU 622, EX - 575
6/16 - C1 Secured card $200.00 limit, Car loan 15K
2/17 C1 SC -$500, Credit One - $700, Merrick Visa - $550, Amazon Store Card - $800, Walmart store card - $500, Comenity tradelines - $3K
Message 7 of 7
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