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
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
I have been rejected by Capital One every time for years/ does this change approval odds…..everybody else love giving me CC’s
Same here. I have had a CapOne Quick Silver card since 2010. Credit Score above 780, got cards from everywhere else but not another CapOne card.
If you ever wanted a(nother) Discover card, get one quick – C1 is acquiring Discover, unfortunately…
I see an update on the top that it will be transitioned soon with a link to FAQ
https://www.capitalone.com/creditwise/fico-faqs/
At this point it is still Vantage 3.0 for me.
I just logged into creditwise. Score updated today. It clearly states “Vantage Score” with a info button that takes you to a page which then says “About VantageScore 3.0Your CreditWise credit score is calculated using your credit report from TransUnion, one of the major credit bureaus. We use the VantageScore 3.0 model to determine your score. It ranges from 300-850.”
If it is the Fico score, it has vantage wording all over it.
Same for me. score says Vantage and is unchanged from the last time I checked, seems like more of a gradual rollout.
Same
Mine states FICO score.
Mine also states vantage
It hasn’t updated yet they just are going to start showing you the FICO score. Instead of the Vantage score. They still use your FICO score for credit card applications