05-11-2013 08:24 AM
This is the email I got. I guess my score have dropped since I have apped and recieved 2 cards. Last time I checked my score was 667 when I recieved my capone and discover card. They state no reason but my score.
Information about Your Credit Score We obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. As of May/2013 your credit score is 0640. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are: If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to:
05-11-2013 09:25 AM
you could try the EO number. just search on this forum its arond here somewhere.
05-11-2013 10:23 AM
05-11-2013 11:43 AM - edited 05-11-2013 11:44 AM
They said it is a eqfax score
You are correct that they pulled equifax, but I believe that the upper range of the Beacon v 5.0 fico score is 818 (this is the equifax fico version sold on this website). Since the upper range of the score you cited is 900 it is not a conventional fico score.
Banks sometimes provide their own in house scores because it is more cost effective than purchasing a true fico score from a credit bureau. Chase for example, uses a vantage score for applications (not exactly an in house score, but not a fico either). Most likely the score that citi provided you is based off of a proprietary internal scoring system.
05-11-2013 12:46 PM
Regardless of what the score is Citi is difficult to recon with. Even with what you thought your FICO is it's pretty low for Citi with chances not being good. You can certainly try to recon and may as well since you already ate the inquirery.
05-11-2013 12:48 PM - edited 05-11-2013 12:48 PM
They said it is a eqfax score
That simply means that they used data from your Equifax report to calculate the score, but it tells you nothing about what type of scoring system it is.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.