cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1 CreditWise VS to Fico Change Notice

tag
DoppelgangerD
Frequent Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

Just because they're switching to FICO doesn't necessarily mean they're staying with TransUnion as most are assuming.

I certainly hope they do though.

TU FICO scores are hard to come by.

My only source currently is with my Discover card, but I figured out last year that Discover has some issues updating their data.

Hopefully that's not mimicked by Capital One.

Message 11 of 85
Seatac
Regular Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

Good point and Discovers credit score page is really lite on info compared to other Credit cards....only one that I have with as little Info as Discover is my USAA Amex account

Message 12 of 85
Varsity_Lu
Valued Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

@DoppelgangerD 

 

Here is the messaging from the Capital One regarding the switch:

 

"Your TransUnion® credit report is still the source from which your score is formulated."

Blue Cash PreferredBlue Cash EverydayHilton HonorsSavorREIFidelity Rewards VisaMore RewardsVoice Rewards + Perks CheckingMax Cash PreferredAAA Travel AdvantageCashRewards
American Express National BankCapital One, N.A.Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

Message 13 of 85
FicoMike0
Senior Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

Ditto @Varsity_Lu 

If it continues to update daily, that would be fantastic!

 

Message 14 of 85
citymunky
Established Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

🥲 I liked looking at my 820's score TU VS3 on CreditWise. It get me a warm and fuzzy even though I know it wasn't my FICO score (which I know is not going to get that high for a long time), LOL.

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 15 of 85
GreatLife
Frequent Contributor

Re: Cap1 CreditWise VS to Fico Change Notice


@citymunky wrote:

🥲 I liked looking at my 820's score TU VS3 on CreditWise. It get me a warm and fuzzy even though I know it wasn't my FICO score (which I know is not going to get that high for a long time), LOL.


Think I'm probably most looking forward to the free F8 score simulator.

Message 16 of 85
DoppelgangerD
Frequent Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

Looks like the CreditWise app now has updated TransUnion FICO 8 scores.

 

EDIT:

I checked my wife's CreditWise and hers is still showing Vantage Score, so it's not for everyone yet apparently.

Message 17 of 85
NoHardLimits
Valued Contributor

Re: Cap1 CreditWise VS to Fico Change Notice


@DoppelgangerD wrote:

Looks like the CreditWise app now has updated TransUnion FICO 8 scores.

 

EDIT:

I checked my wife's CreditWise and hers is still showing Vantage Score, so it's not for everyone yet apparently.


Still VantageScore 3.0 for me.  Smiley Sad

December 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 2% | DTI: 1%
Message 18 of 85
citymunky
Established Contributor

Re: Cap1 CreditWise VS to Fico Change Notice


@NoHardLimits wrote:

@DoppelgangerD wrote:

Looks like the CreditWise app now has updated TransUnion FICO 8 scores.

 

EDIT:

I checked my wife's CreditWise and hers is still showing Vantage Score, so it's not for everyone yet apparently.


Still VantageScore 3.0 for me.  Smiley Sad


Same

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 19 of 85
Varsity_Lu
Valued Contributor

Re: Cap1 CreditWise VS to Fico Change Notice

I haven't even gotten the email notice yet. I wonder if VX will roll out first followed by V, Savor, and then the rest.

Blue Cash PreferredBlue Cash EverydayHilton HonorsSavorREIFidelity Rewards VisaMore RewardsVoice Rewards + Perks CheckingMax Cash PreferredAAA Travel AdvantageCashRewards
American Express National BankCapital One, N.A.Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

Message 20 of 85
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.