Cap1 CreditWise VS to Fico Change Notice

[GreatLife]

Just FYI for anyone hasn't yet received an email, or without Cap1 accounts:

We’re updating the credit scoring version you see on CreditWise. Once you’re updated, you’ll see your FICO® Score 8 instead of your VantageScore® 3.0 credit score. As a result, the score you see may change. 

FICO® Score 8 uses a different method of calculating your score than VantageScore® 3.0. Your TransUnion® credit report is still the source from which your score is formulated. 

[Varsity_Lu]

This is a really good development! Especially since they will be giving us TransUnion FICO 8. The other two bureau scores seem to be easier to get for free. Right now I only get a once-a-month free TU snapshot from Huntington. Now, I can get realtime TU score.

[GZG]

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@GreatLife wrote:

Just FYI for anyone hasn't yet received an email, or without Cap1 accounts:

We’re updating the credit scoring version you see on CreditWise. Once you’re updated, you’ll see your FICO® Score 8 instead of your VantageScore® 3.0 credit score. As a result, the score you see may change. 

FICO® Score 8 uses a different method of calculating your score than VantageScore® 3.0. Your TransUnion® credit report is still the source from which your score is formulated. 

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free daily TU FICO 8? 

any news on if it's still going to be delay that sounds amazing (and expensive for them)

[Komma]

Mine is still vantage 3.0 score. Must be a phased rollout.

[Patient957]

Very cool.  TU8 is a huge upgrade from VS3, especially since free access to TU8 is so hard to come by.  (I think some issuers provide it, but none that I have.)

[Patient957]

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@Komma wrote:

Mine is still vantage 3.0 score. Must be a phased rollout.

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Mine too. 

[GreatLife]

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@Komma wrote:

Mine is still vantage 3.0 score. Must be a phased rollout.

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I still have VS3 too. Here's the verbatim email:

"Hi X. CreditWise accounts to show users their FICO Score 8 instead of their VantageScore® 3.0. This update is free and won’t cause a hard inquiry. Keep an eye out for an email confirming the update in the next couple of weeks.

Why FICO?

FICO is the industry leader in credit scoring, and 90% of today’s top lenders use FICO Scores. We’re beyond excited to bring this update to your account and appreciate your patience as it rolls out."

Here's the email link FAQS path:

https://www.capitalone.com/creditwise/fico-faqs/?utm_source=Internal&utm_channel=Email&utm_medium=We...

[Creditwiser]

Still Vantage Score for me 

[NoHardLimits]

My Capital One login still shows TU VantageScore 3 for me too. 

I wonder if the upcoming change could have anything to do with the Discover merger.  My Discover login provides a TU FICO8 score.

[Seatac]

Rollout expected to be complete summer 2025.

Link below from @GreatLife shows

 Quote

"When will I see my FICO® Score 8 in CreditWise?

Soon! Our team is working hard to get all CreditWise accounts updated by Summer 2025."

Be patient