Capital One's FICO 8 Score from Transunion

[RedKhaos]

Capital One switched their credit monitoring score from Vantage 3.0 to FICO 8 from Transunion this year. I think many of us applauded the move as it gave us access to another FICO score.

Since the switch, I've been seriously wondering if Capital One is truly showing the FICO score from Transunion or if they applied some sort of layer of their own. For my curiosity and for science, can someone with access to both Capital One's Credit Wise and another source of FICO 8 Transunion, i.e. Discover or BofA, confirm your scores match?

[crystal626]

It is an actual FICO 8 score. FICO would not allow them to just call some other FICO score FICO 8. It matches my Discover card as well.

[JSUB]

Mine usually match, but funny I should read this. My Cap1 TU score went down 4 points several days ago. The FICO 8 TU score did too. But yesterday the FICO page shows plus four points back to where it was and Cap1 is still showing the lower score. Odd.

[Thomas_Thumb]

Perhaps your number of cards reporting a balance dropped which triggered a pull or some other change triggered a pull. Most scores provided by credit cards are pulled once monthly. 

[RedKhaos]

I guess that's the most sensible scenario. I also think it makes sense that minor discrepency between different FICO 8 TU scores could just be when the reporting institution updated. 

My Capital One hovered between 760-770 since the FICO 8 switch because I was carrying a credit card 30 days late. I didn't think too much of it but when that 30 days aged out (about 2 months from the 7 years), that gave me a clean scorecard and a +58 jump. I'm very happy with it, but that seems like a massive jump given other reported data for 30 day late on FICO8: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Top-score-on-a-dirty-scorecard/td-p/5309...

The thing is, that same late aged out earlier for Experian and it gave me a much smaller bump. I'll have to see what's different as my bureaus do contain variations in my profile, but I can safely rule out utilization as a contributing (or at least major) factor. I was in AZEO before the 30 late fell off.

For what it's worth before Capital One made the switch, the vantage 3.0 score they reported was always much, much lower than what creditkarma showed me for TU (like 20+ points lower), but I know that doesn't mean much. It was just something that made me wonder.

[hdporter]

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@JSUB wrote:

My Cap1 TU score went down 4 points several days ago. The FICO 8 TU score did too. But yesterday the FICO page shows plus four points back to where it was and Cap1 is still showing the lower score. Odd.

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Doesn't the C1 FICO only update 1x/mo?

[1lifeisworthit]

Credit Wise and My FICO match.

FICO 8 based on Transunion reports.

The companies are not allowed to report a false score.

[Thomas_Thumb]

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@hdporter wrote:

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@JSUB wrote:

My Cap1 TU score went down 4 points several days ago. The FICO 8 TU score did too. But yesterday the FICO page shows plus four points back to where it was and Cap1 is still showing the lower score. Odd.

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Doesn't the C1 FICO only update 1x/mo?

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Yepers

CCs pull Fico scores on a monthly schedule. There can be no score change unless updated data is pulled. The monthly fee Fico monitoring service pulls new Fico 8 scores whenever a trigger event occurs. As a result that service could update scores daily for a thick file with many active accounts - or weekly for files with fewer, less active accounts.

A reported score is accurate for the point in time when the data is pulled. Credit cards will state the date data was pulled to generate the listed score.

[TrapLine]

Will add, the Discover Card Score generally is only pulled and reported once a month (reported that a cardholder can optionally call in and have a manual pull/update done).

Mine pulls the Fico 08 Score on a different date than the statement close too.

[BrutalBodyShots]

@RedKhaos, there are only 4 factors that go into a credit score.

1 - The scoring model used (FICO, Vantage, etc)

2 - The version used (FICO Score 8, VS3, etc)

3 - The bureau [input] data set used (Experian, TransUnion, Equifax)

4 - The moment in time that the above were used

In your post you mentioned the score you get through Capital One, which you correctly identified as FICO 8 drawn upon TransUnion data. So, points 1-3 above are known, making the only variable #4, or the moment in time the score was generated. If you obtain a FICO 8 score drawn upon TransUnion data from any other source (BoA, Discover, Barclays, etc) the score will exactly match if it was generated at the same time / using the exact same data.