WOW Citi Fico

[Creditaddict]

I mean I have been excited to see partners score a 796 through denial letters with Amex but upon checking his Citi I see this:

Your FICO® Score is 820

as of 04/21/2015

Congratulations – You have an exceptional FICO® Score.

Funny he was denied State Farm Business Card and we are having issues getting a Bank Of America Business Card! oh and currently reconning a denial for a business blue amex... Fico and banks are so weird... I seem to have better luck reconning apps with ALL my inq's and new accounts but someone like him up in the 800 has 6-8 new accounts and the banks FREAK!

I don't get the thinking that someone with an 800 shouldn't be applying for credit because they make a lot of money... they are the ones that keep changing to different reward programs and don't allow product changes!!

[Anonymous]

Congrats to Dear Partner on the 820. Sucks about the issues getting the business cards. Maybe he'll have better luck in 6 months?

ETA: Fixed spelling error.

[Anonymous]

Citi is an EQ score....

[EW800]

Love that score!  Congratulations!  

Do I remember correctly that this is the BankCard Enhanced score that Citi offers?

[EW800]

My bad...  Saw the 900 max and saw my answer.  

[Creditaddict]

---

@EW800 wrote:

Love that score!  Congratulations!  

Do I remember correctly that this is the BankCard Enhanced score that Citi offers?

---

oh so the 796 EX from amex is more accurate?!

[Anonymous]

---

@Creditaddict wrote:

---

@EW800 wrote:

Love that score!  Congratulations!  

Do I remember correctly that this is the BankCard Enhanced score that Citi offers?

---

oh so the 796 EX from amex is more accurate?!

---

It's more accurate in terms of giving you the standard FICO 08 score

[Anonymous]

Holy Fico!  A-W-E-S-O-M-E!   

[MarineVietVet]

---

@EW800 wrote:

Love that score!  Congratulations!  

Do I remember correctly that this is the BankCard Enhanced score that Citi offers?

---

Yes. This is the Equifax Bankcard Score 8 model. 

Edited 'cuz I messed up the first time.

[takeshi74]

---

@Creditaddict wrote:

oh so the 796 EX from amex is more accurate?!

---

More accurate for what?  They're different models and different CRA's.  AmEx EX is accurate for EX 8.  Citi is accurate for EQ 8 BankCard.  You can't just use different scores from different CRA's interchangeably.  More accurate all depends on what model and CRA a given creditor uses.