Credit Score Tracking From Capital One

Anonymous · ‎04-15-2014

I didn't know they offer Free Credit Score Tracking from Transunion. Barclays and Discover just gives you the credit score. Capital One gives you your whole credit profile.

Thats the message i got when i logged in today after 4 months

New from Capital One: 100% free and unlimited access to your credit score and much more. Start Tracking Now

mongstradamus · ‎04-15-2014

Its definitely nice to have.,but its basically the same thing ck offers for free already.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

Anonymous · ‎04-15-2014

Discover gave me CS of 727 last month and they Capital One gave me 741 as of today. So I will take it

striehl8212 · ‎04-15-2014

@Anonymous wrote:
Discover gave me CS of 727 last month and they Capital One gave me 741 as of today. So I will take it

Is the score that Capitol One gives now a Transunion FICO or FAKO? Cause the CK website is a FAKO if I'm not mistaken.

March 2014: EX 693 I EQ 672 I TU 694
September 2014: EX 721 I EQ 741 I TU 742

Kenny · ‎04-15-2014

@striehl8212 wrote:
@Anonymous wrote:
Discover gave me CS of 727 last month and they Capital One gave me 741 as of today. So I will take it
Is the score that Capitol One gives now a Transunion FICO or FAKO? Cause the CK website is a FAKO if I'm not mistaken.

FAKO. I'll take Discover's score each month and disregard Cap1's as I watch Credit Karma for TU updates -- even though it seems slow to update. lol

Take the myFICO Fitness Challenge

Anonymous · ‎04-15-2014

No score from capital one is Fico not Fako

Kenny · ‎04-15-2014

@Anonymous wrote:
No score from capital one is Fico not Fako

It's not, I'm sorry.

Take the myFICO Fitness Challenge

coldnmn · ‎04-15-2014

I don't know if it's Fico or Fako. But I know it's not the same as CredtKarma. I have both and there not even close to the same for me.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

mongstradamus · ‎04-15-2014

@coldnmn wrote:
I don't know if it's Fico or Fako. But I know it's not the same as CredtKarma. I have both and there not even close to the same for me.

That's interesting because for me everything on cap one score tracker and ck is exactly the same. Same exact score also.

I would just use cap one and ck for monitoring purposes. Use either discover ,walmart,or Barclay for their true tu 08 fico scores

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

user5387 · ‎04-15-2014

Various web pages say explicitly that the service is derived from Credit Karma.

One reason why the scores may not match is because of being calculated at different times.

I would only use this type of tool for doing very rough trend tracking, and not for anything that needs more accuracy.

http://www.mybanktracker.com/news/2014/03/03/capital-one-offer-free-credit-tracker-tool-credit-card-...