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- Cap1 CreditWise VS to Fico Change Notice - myFICO® Forums
Cap1 CreditWise VS to Fico Change Notice Just FYI for anyone hasn't yet received an email, or without Cap1 accounts: We’re updating the credit scoring version you see on CreditWise Once you’re updated, you’ll see your FICO® Score 8 instead of your VantageScore® 3 0 credit score As a result, the score you see may change
- FICO score vs CREDIT WISE and CREDIT KARMA - myFICO® Forums
The scores provided by Karma and CreditWise use the VantageScore model, which almost no lenders or CC issuers use to make approval decisions (most use FICO and the rest use their own "in-house" scoring system)
- Alert from CreditWise - myFICO® Forums - 4884190
Re: Alert from CreditWise A freeze and a fraud alert are different animals A fraud alert is authorized under the FCRA, while the terms and conditions of a freeze are based on CRA policy or state regs Technically, fraud alerts can only be placed by the named consumer or their designated representative
- How accurate is Capital One CreditWise? - myFICO® Forums
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
- Capital One CreditWise moving from Vantage Score to FICO
Just received an email from CapitalOne stating that in a few weeks they will moving from Vantage Score TU to FICO 8 TU Super excited to finally have free access to a FICO from all 3 CRAs
- CREDITWISE - myFICO® Forums - 4523610
Creditwise or CK may not be getting the entire file for some reason Either way, Vantage scores are pretty much useless for gauging what you might qualify for 2 - Cap One has always quoted my EQ FICO 5 score in denials Could be a location thing - lenders will often pull different CRA's depending on the state you are in Why they do that is a
- Credit wise is not accurate - myFICO® Forums - 5140997
Ignore the VantageScore that CreditWise gives you I can't tell you if AAoA (average age of accounts) is reported accurately, nor can I tell if you if utilization is spot on AAoA needs to include closed accounts, and utilization always needs to be rounded up and never down Credit Karma drops the ball in both of those areas But like Karma, the CreditWise TransUnion report is good
- Creditwise simulator stupidity - myFICO® Forums - 6831982
Messing with the Creditwise simulator, it makes an erroneous assumption that increasing a credit limit means a HP so it does not reflect improved utilization and the SP I'm sure others have recognized this fault
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