cancel
Showing results for 
Search instead for 
Did you mean: 

Capital One's Credit Wise Updates Daily Now

tag
GZG
Senior Contributor

Capital One's Credit Wise Updates Daily Now

There was an update with Cap1's credit wise credit monitoring service where they actually update your TU report and vantage 3.0 score daily. 

it is actually reliably updated daily and it's not whenever it feels like it every few days like CK, wallethub, credit seasme

 

 

Starting FICO 8:
Current FICO 8:



Message 1 of 6
5 REPLIES 5
FireMedic1
Community Leader
Mega Contributor

Re: Capital One's Credit Wise Updates Daily Now

Where you seeing this? "Your CreditWise credit score is updated as frequently as each week when you sign into your account. Learn more about the benefits of free credit monitoring with CreditWise."

https://www.capitalone.com/creditwise/faqs/ 



BK Free Aug25
Message 2 of 6
GZG
Senior Contributor

Re: Capital One's Credit Wise Updates Daily Now


@FireMedic1 wrote:

Where you seeing this? "Your CreditWise credit score is updated as frequently as each week when you sign into your account. Learn more about the benefits of free credit monitoring with CreditWise."

https://www.capitalone.com/creditwise/faqs/ 


https://creditwise.capitalone.com/faq/dsr-works 

 

it's definitely daily now, I imagine the pull is either early in the morning or when you open the app/service for the first time during that day

 

it's much, much faster to see any score/report changes than any of the other TU monitoring

 

I also prefer their outlining of accounts with creditwise as opposed to an official TU report with every account listed in a giant box, they should be seperating out different types of accounts, but it's easier it's still easier to read imo

 

also this July 13th email:

 

image.pngimage.png

Starting FICO 8:
Current FICO 8:



Message 3 of 6
FireMedic1
Community Leader
Mega Contributor

Re: Capital One's Credit Wise Updates Daily Now

That goes straight to CW. I was looking at while online where the accounts are bottom left. Yes it usually says update next week on a certain date. That isnt there.



BK Free Aug25
Message 4 of 6
markbeiser
Established Contributor

Re: Capital One's Credit Wise Updates Daily Now

Mine gives me EX, and the report lags behind the paid service I have through EX by quite a bit.
It is the fastest refresh of my EX Vantage 3.0 score I have access to though.


Current FICO8:
Message 5 of 6
IcyCool7227
Frequent Contributor

Re: Capital One's Credit Wise Updates Daily Now

I would cancel the paid EX service then.

As of: 8/11/26:
EQ: 802 (prev. 799 on 7/12/26; 783 on 8/15/25; 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 804 (prev. 788 on 7/12/26; 766 on 8/15/25; 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 806 (prev. 802 on 7/12/26; 773 on 8/15/25; 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $4,000
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.