Not only is this app is still showing my Vantage 3.0 score from mid December 2020 & it's now February 2021 it's saying I still have an outstanding balance on my Capitol One MasterCard that I had paid off in December which is crazy considering it's a Capitol One app. You'd think they'd be more on top of their own app, payments made, etc, etc. Not only that but it's actually low by 85 points according to my bank & Experian app and 19 points lower than the Credit Karma app.