Capital One has made changes to its CreditWise program. Previously the credit score provided was a TransUnion VantageScore, this is now a TransUnion FICO score. Not a huge change, but more financial institutions use FICO than VantageScore for lending decisions.
Hat tip to Pajamas918
Finally got the email notice of the auto-switch, “Your FICO Score is here!.. “. Data is still from Transunion.
“Where does my CreditWise score come from?
The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data.”
I logged in yesterday and had the FICO score. No unenroll or any other tricks, it just showed up on its own.
Saw a reddit thread, a lot of people noted that if you delete your creditwise through the creditwise app, then re-enroll through capital one’s app/website that it’ll force switch to Fico
Tried it myself, you can just unenroll from the program from the capital one app, wait a few minutes, and then re enroll from the main screen and it does switch to Fico, no separate app needed, only a couple clicks, don’t have to enter any information or do anything complicated.
Cool to have daily Experian and Transunion now, now if only we could get free daily Equifax…
Did same on C1 desktop website.
Equifax FICO 8 on Citi or MyFICO.com.
I know about the Myfico one, but it’s monthly not daily I think? Or maybe it only updates when there’s a score change? The report is monthly for sure.
Didn’t know Citi had one too, interesting.
When will I see my FICO® Score 8 in CreditWise?
Soon! Our team is working hard to get all CreditWise accounts updated by Summer 2025.
Discover already uses TransUnion’s FICO score. Coincidence?
if it remains daily?
kind of, because the discover TU score was only monthly
So, umm, can they please stop hard-pulling from all three credit bureaus? Enough already!
best I can do is an extra pull on Chex (because f*** you, that’s why)
– Cap1 (probably)
If you haven’t already figured out Cap1 is a stepping stone for ‘’on the bubble’ applicants, as such when properly established scores are achieved their credit products & bonuses aren’t worth the inquiry.
It could be a slow roll out to consumers that have capital / creditwise.
A good decision given the greater popularity of FICO score(s) among lenders. Hopefully, they’ll keep offering daily updates, unlike Amex that moved to Experian FICO 8 but only updates it once a week.
FICO is probably better since that’s what most places use. Credit karma already uses vantage
Maybe it’s got something to do with the Capital One and Discover merger