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How accurate is Capital One CreditWise?

Contributor

How accurate is Capital One CreditWise?

I'm curious how CreditWise compares to TU, EQ, and FICO.








Message 1 of 20
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Regular Contributor

Re: How accurate is Capital One CreditWise?

 

The CapOne Creditwise score is a TU Vantage 3.0 score and it tracks the Vantage 3.0 score I see on Credit Karma perfectly. As for accurate, the Creditwise TU Vantage 3.0 score can only be compared to another of the same so date of the score would be the only variable.

 

For me, my TU Vantage 3.0 score lags my FICO TU score 8 by 11 points: 783 TU FICO 8 v 772 TU Vantage 3.0 but differences should be expected because they're different score models.

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011

Message 2 of 20
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Established Contributor

Re: How accurate is Capital One CreditWise?

It is a completely different scoring system (Vantage 3.0). You really can't compare the two. There is no standard if FICO is X Vantage is Y type of comparison. They have their own scoring rules.

 

You can get a free EX score from Discover, even if you are not a customer. https://creditscorecard.com/

 

Also, you can do a 1 week trial with credit check total to get all 3 scores for $1. Just don't forget to cancel.



Giving up on the images for now

Stepped out of the garden 10/9/16

Message 3 of 20
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Regular Contributor

Re: How accurate is Capital One CreditWise?

Duplicate post.Smiley Indifferent

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011

Message 4 of 20
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Super Contributor

Re: How accurate is Capital One CreditWise?

Creditwise is the Capital One spin on a TU VantageScore 3.0 model.  FICO has different scoring models which can yield scores higher or lower depending on profile.  EX, EQ and TU are credit bureaus that possess your data, they are not scoring models.  They provide the data that the different scoring models use.  Hopefully that makes sense.

Message 5 of 20
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Regular Contributor

Re: How accurate is Capital One CreditWise?

thanks didn't know about this, i'm at 649 according to discover

Message 6 of 20
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Contributor

Re: How accurate is Capital One CreditWise?

Ohh ok thanks everyone!








Message 7 of 20
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Super Contributor

Re: How accurate is Capital One CreditWise?


@david244us wrote:

thanks didn't know about this, i'm at 649 according to discover


If that score is from your Discover account, it's a TU 08 score.  If it's from discover score card (no account needed) it's an EX 08 score.

Message 8 of 20
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New Visitor
New Visitor

Re: How accurate is Capital One CreditWise?

CreditWise is the exact same TransUnion score that shows up on creditkarma.com. The exact same. I have never seen the two scores differ by even one point. It doesn't seem to be anything special being offered by Capital One.
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New Visitor

Re: How accurate is Capital One CreditWise?

 
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