Capital One Credit Tracker

If you want an actual score, look at Credit Karma(CK), the Capital One score is still a proprietary score that transunion comes up with, often its less than your actual "FICO" score. CK used to show the same score as capitalone because it came from the same source, but in the last few months they started offering actual scores from transunion and one of the other ones, I think Experien. So actually you will find your "true" credit score is higher. So when I compared my Discover FICO score to the old CK or capitalone score, it was notable different. Now they are pretty close with differences only due to timing of when they were reported.

CK also shows all of your credit reporting information updated periodically so you don't have to pull them from the free gov't site only once per year and look at hard inquiries and see when they will fall off, look at your credit history length and other factors. You sign in basically like you're logging into one of the reporting entities to look at your free annual credit report. Doesn't cost anything.

I think because the credit agencies contract with the card companies and already have your reporting information they are able to feed it in without a hard pull of your report since you're not requesting new credit.

Capital One and I think most cards you can get a rate limit increase for the most part without a hard pull, you can at least request one and see what they offer before authorizing a hard pull.