Cap One switching from Credit Tracker

[Anonymous]

Just got it in my email, will upload a pic in a bit.

Looks like it will update every week and will do vantage 3.0. Isn't that what CK uses?

[MyLoFICO]

Yes! Now it will be useless 4 times a month instead of 1! 

[myjourney]

See current discussion http://ficoforums.myfico.com/t5/General-Credit-Topics/Cap-One-switching-from-Credit-Tracker/td-p/446...

[Anonymous]

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@MyLoFICO wrote:

Yes! Now it will be useless 4 times a month instead of 1! 

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+1

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I am glad they did this.  With their credit tracker my scores actually fell 30 points for opening a new credit card with my highest balance yet.  Thought having a new credit card with your personal highest balance would improve your score.

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Why would any of this even matter. The fact that one fake number goes up and another fake number goes down? They are both still fake. Just trying to understand why you are glad over this..

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+1

[Anonymous]

But out of all the credit bureaus, there's one that's just plain mean. I think it's Equifax. That's the one no one really wants to see. Experian is the nicest one.

[degs138]

Cap one is so terrible with CLI and scoring. They shift pull FICO 04 for CLI give you a vantage score for credit tracker and triple pull fico 8 for EO CLI. Amex gives me my fico 08 EX and raises my limit on my FICO 08 EX. I can see why one is a prime lender.

[Anonymous]

I mean I know I'm looking at fake scores. It allows me to aspire to higher things.

[Anonymous]

From one BS we'll be jumping to another BS. Phenomenal!

[crrredit]

Just got an email from Cap One announcing they are changing Credit Tracker to Credit Wise, and changing the score they report to TU VantageScore 3. In addition, they will update it weekly instead of monthly. Still a FAKO score, but a better one than they currently provide. Still not the score they actually use to evaluate existing accounts.