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Citi & Credit Scores

New Contributor

Citi & Credit Scores

Just applied for a Citi card, was approved but not at the best terms so they gave me credit score. They said my Equifax credit score is a 725 on a scale from 250-900. Diesn't make sense to me, I thought  but Fico scores are on a 300-850 scale? Letter from Citi diesn't use the term "fico" anywhere. So is this my real score or not! Fako put me at 781.

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
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3 REPLIES
Senior Contributor

Re: Citi & Credit Scores

It's not a real (FICO) score, it's Citi's own scoring system.... This is sort of where FICO really doesn't apply...:-/
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 4
Established Contributor

Re: Citi & Credit Scores

Bankcard enhanced Beacon 5.0 FICOs use this range AFAIK.
AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 3 of 4
New Contributor

Re: Citi & Credit Scores

Thanks for the info. Does this mean that my EQ Fico is higher or lower than what Citi gave me?

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 4 of 4