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Cap1 CreditWise VS to Fico Change Notice

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Varsity_Lu
Valued Contributor

Re: Creditwise by CoF going to Fico

@NoMoreE46 

 

What does CoF stand for?

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 31 of 85
indiolatino61
Valued Contributor

Re: Creditwise by CoF going to Fico


@Varsity_Lu wrote:

@NoMoreE46 

 

What does CoF stand for?


I believe it means Capital One Finance, but I may be mistaken.

Message 32 of 85
NoMoreE46
Community Leader
Senior Contributor

Re: Creditwise by CoF going to Fico


@Varsity_Lu wrote:

@NoMoreE46 

 

What does CoF stand for?



It is the Nasdaq abbreviation for Capital One.

 

Some people use stock ticker symbol as vernacular.

As an example, I used to work at STI.

 

Message 33 of 85
Varsity_Lu
Valued Contributor

Re: Creditwise by CoF going to Fico

Ok.  I think the lower case o threw me.  I usually think of that as an "of" like in BoA.

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 34 of 85
sixstringcliff
Valued Member

Re: Creditwise by CoF going to Fico

I have not seen it in my CO app yet. Good to know that it's coming though.

Fico8 as of Apr 1, ‘25

Capital One Quicksilver $5,600
Apple Card $10,000
NFCU Flagship Rewards (AU) $33,000
NFCU CashRewards (AU) $30,000
Message 35 of 85
FlaDude
Valued Contributor

Re: Creditwise by CoF going to Fico

My wife got the message about Creditwise on April 10 and her account has been showing FICO score for at least a couple of weeks now:

2025-04-29_13-12-23.png

This is from her Kohl's account.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 36 of 85
MrsCHX
Valued Contributor

Re: Creditwise by CoF going to Fico

Mine updated today!

 

I have been checking daily because my Vantage scores are obscenely low (about 100 points lower than Fico). 

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100
Message 37 of 85
indiolatino61
Valued Contributor

Re: Creditwise by CoF going to Fico


@MrsCHX wrote:

Mine updated today!

 

I have been checking daily because my Vantage scores are obscenely low (about 100 points lower than Fico). 


That's interesting...it's usually the opposite. Vantage is not as "strict" as FICO, at least that has been my experience.

Message 38 of 85
Varsity_Lu
Valued Contributor

Re: Creditwise by CoF going to Fico


@indiolatino61 wrote:

@MrsCHX wrote:

Mine updated today!

 

I have been checking daily because my Vantage scores are obscenely low (about 100 points lower than Fico). 


That's interesting...it's usually the opposite. Vantage is not as "strict" as FICO, at least that has been my experience.


My VS scores are also lower than FICO, anywhere from 50 to 70 points in fact.

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 39 of 85
NoMoreE46
Community Leader
Senior Contributor

Re: Creditwise by CoF going to Fico

My Fico Score 8 is already

showing (TU) 

 

:

IMG_2050.jpeg

 

 

 

Message 40 of 85
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