Citi credit scores vs myfico

jnydc · ‎11-13-2011

I was recently approved for a citi platinum select and home depot card. When I got my approvals they gave me my credit score. Here in DC for Home Depot they pulled equifax (693) and for the citi card it was experian (703). Only problem is myficoI doesn't reflect those scores. With myfico I'm still in the mid-600's. What gives?

2009 Credit Portfolio: First Premier 450, Orchard Bank 400

2012 Credit Portfolio: AMEX; Gold, Zync, & Clear 5k
Citi Platinum Select 2k, Home Depot Store (Citi) 4k, Discover More 10k, Barclays Apple 2k, Cap 1 (secured) 2.5k

Kris1228 · ‎11-13-2011

I just received my card and information yesterday from citi but didn't get a score? May I ask where did you find yours?

Thanks

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone

Anonymous · ‎11-13-2011

@Kris1228 wrote:
I just received my card and information yesterday from citi but didn't get a score? May I ask where did you find yours?

Thanks

When I recently was approved for my fourth AmEx, I received a letter in the mail from AmEx Congratulating me and in the letter it said "We have provided you with your EX FICO that we partly based our decision on" I have never received a Congratulation letter from AmEx before so I don't know why I got this one, but I am happy I did, now I know my EX FICO.

So maybe that's where the OP got his/her score, I'm not sure, maybe the OP will post an answer for you.

Kris1228 · ‎11-13-2011

Oh okay, I would be really curious to know what the score was. Lol. I may call them tomorrow and ask where's my score!!

Thanks

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone

jnydc · ‎11-13-2011

On the 4th page of my "congratulations" letter.

Page one was a welcome letter from Ken Stork

Page two "facts about interest and fees

Page three was info on what is a credit report, and the fact that they used experian

Page four told me my score

2009 Credit Portfolio: First Premier 450, Orchard Bank 400

2012 Credit Portfolio: AMEX; Gold, Zync, & Clear 5k
Citi Platinum Select 2k, Home Depot Store (Citi) 4k, Discover More 10k, Barclays Apple 2k, Cap 1 (secured) 2.5k

Kris1228 · ‎11-13-2011

Okay I only received pages 1-2.. I'm going to call them.

Thanks

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone

Kris1228 · ‎11-13-2011

I see you got the Platinum Select card, I got the Dividend World MasterCard. Wonder if which card makes a difference.

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone

Kris1228 · ‎11-14-2011

I called and the rep had noooo idea what I was talking about and said they do not include scores in welcome packet etc. I just thanked him and left it alone. Bummer!! Lol

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801

Baddies all Gone

Juan123 · ‎11-17-2011

i believe in fact that its a new law where a person applying for credit must be given there credit score either on the spot or in a letter in the mail.

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^

MarineVietVet · ‎11-17-2011

@Juan123 wrote:
i believe in fact that its a new law where a person applying for credit must be given there credit score either on the spot or in a letter in the mail.

New credit score disclosures began July 21st, 2011. Regulations require lenders to provide a credit score and related information when they deny a consumer's request for credit or provide credit with less favorable credit terms than other consumers with better credit histories.To read more about this subject go to ScoreInfo.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".