Re: Cap1 CreditWise VS to Fico Change Notice

GreatLife · ‎04-16-2025

Just checked and I'm now on Fico8. Some things I briefly noticed:

- Activity history only displays dates 2/26/25, 3/28/25, 4/16/25 - with scores that appear retroactively Fico. Years & months of Vantage are gone.

- Simulator doesn't have options for increased balances, new inquiries, new personal loans, card closures, limit decreases. Simulator does have options for decreased balances, new auto/mortgage loans, new cards, limit increases.

- The impacts to score section is gone.

*Edit to add that a few minutes ago I received an email from Cap1:

It’s here! Sign in to your CreditWise account to view your FICO Score 8.

DoppelgangerD · ‎04-17-2025

Saw this tidbit in the "about your score" section...

masscredit · ‎04-23-2025

Just received an email that says Capital One's CreditWise will soon be providing TransUnion FICO Score 8 instead of VantageScore 3.0.

EQ - 676 / TU - 667 / EX - 679

Capital One Venture - $13000 / AAA Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Capital One Savor - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$75,750
DCU Auto Loan

MileHigh96 · ‎04-23-2025

There's already a thread for that: https://ficoforums.myfico.com/t5/General-Credit-Topics/Cap1-CreditWise-VS-to-Fico-Change-Notice/td-p...

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $4800 CL (opened 7/21/21)

Mercury Mastercard $4360 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $3300 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $28000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $10000 CL (opened 5/23/23)

Canvas CU Platinum Elite MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $23000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

My GM Rewards Card Mastercard $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $8500 CL (opened 12/8/23)

NFCU More Rewards AmEx $9000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

0/6, 0/12, 8/24 new accounts
TCL: $144.2K

Thomas_Thumb · ‎04-23-2025

@masscredit wrote:
Just received an email that says Capital One's CreditWise will soon be providing TransUnion FICO Score 8 instead of VantageScore 3.0.

Taking after their Discover card acquisition. Guess I'll get to keep my free TU Fico 8.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

NoMoreE46 · ‎04-27-2025

Noticed this message upon login today:

indiolatino61 · ‎04-27-2025

Thanks for the heads up. I rushed right over there but I didn't have the notification for this scoring change. It's a worthwhile change, since we can get Vantage scores in so many places.

Zoostation1 · ‎04-27-2025

I've got 4 Capital One cards but have yet to get the notification about switching to FICO.

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2025 FICO 8:

June 2025 FICO 9:

Copenix · ‎04-27-2025

That's great news! Thank's for sharing.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $91.2K | Utilization 0.9%

FICO 8s June 2025

Varsity_Lu · ‎04-28-2025

@Zoostation1 wrote:
I've got 4 Capital One cards but have yet to get the notification about switching to FICO.

Same. Well, I only have three cards.

FICO® 8: 802 (Eq) · 795 (Ex) · 775 (TU)
VS® 3.0: 773 (Eq) · 765 (Ex) · 763 (TU)

Cap1 CreditWise VS to Fico Change Notice

It’s here! Sign in to your CreditWise account to view your FICO Score 8.