Ok, I'm so confused. Is CITI using some different scoring model? I just got my CITI card in late April and when I first checked my FICO score it was in the high 600's. How is the below score even possible within a month's timeframe. My EQ FAKO score remains at 700 as of yesterday. I guess I should update my EQ report and see what my EQ FAKO score is today. This is some cruel joke that CITI is playing on me isn't it.
as of 05/26/2015
Congratulations – You have an exceptional FICO® Score. The below factor(s) are informative but not significant as they represent very marginal areas where your score was adversely affected. Keep up your good financial habits! Key Factor(s) affecting your FICO® Score:
- Proportion of loan balances to loan amounts is too high
Your FICO® Score weighs the balances of your mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.
- Too many accounts with balances
Your FICO® Score considers the number of accounts you have with balances. For credit cards, even if you pay them off in full each month, your credit report may still show a balance on those cards. The total balance on your last statement is generally the amount that is shown on your credit report.
What your 828 FICO® Score means to lenders:
Lenders view you as a very risky borrower
Some lenders will approve loans with this score
Most lenders consider this a good score
Lenders view you as a very dependable borrower
Lenders view you as an exceptional borrower
800 or higher - The FICO® Score is in the top 20% of U.S. consumers
740 - 799 - The FICO® Score is in the top 40% of U.S. consumers
670 - 739 - The FICO® Score is near the average score of U.S. consumers
580 - 669 - The FICO® Score is below the average score of U.S. consumers
579 or less - The FICO® Score is in the lowest 20% of U.S. consumers
(Formerly known as: Credit is my hobby/TCL objective)
Ok it was a cruel joke or something. Somehow when I logged in, I was logged in as myself but when I went to the FICO page, it gave me the FICO score of someone else. I only noticed this because at the top it said I had two accounts with CITI and when I clicked on the two accounts it showed the CITI Simplicity and CITI Thank you cards. I have neither card. Mine is a Double Cash. Anyhow, when I clicked on the two accounts, it automatically kicked me out. I logged back in to my account and my real FICO score is back which is 677
@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:Credit Card Enhanced Fico 900 point scale..
Yeah, but they've been using that for a while.
Agree thought he said he just got the card in April and first time using credit tracker on the site unless I read his post wrong? Let me go back to it.
Guess I did read it wrong as well as well as OP clearing up situation as well.. guess this means bedtime if my neighbors would actually be quiet in condo next to mine to get some sleep ..
might be time for the broom handle on the wall 
lol congrats! mine is only 678 lol
