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EQ FICO Bankcard 8 higher than EQ FICO 8

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SouthJamaica
Mega Contributor

EQ FICO Bankcard 8 higher than EQ FICO 8

I just realized that the Citicard site is giving me the Equifax FICO Bankcard 8 score, while myFICO is giving me the FICO 8 score.

 

My Bankcard 8 score is 10 points higher than my 8 score.

 

Wonder what that's about.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

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4 REPLIES 4
Anonymous
Not applicable

Re: EQ FICO Bankcard 8 higher than EQ FICO 8

The Bankcard score places more emphasis on, you guessed it, bank cards. You have a sizable portfolio of cards, so it makes sense that score would be higher.

Message 2 of 5
Thomas_Thumb
Senior Contributor

Re: EQ FICO Bankcard 8 higher than EQ FICO 8


@SouthJamaica wrote:

I just realized that the Citicard site is giving me the Equifax FICO Bankcard 8 score, while myFICO is giving me the FICO 8 score.

 

My Bankcard 8 score is 10 points higher than my 8 score.

 

Wonder what that's about.


Most likely it is due to the difference in scale. There is greater score potential for industry specific (Bankcard and Auto) Fico scores Range for Fico 8 bankcard is 250 to 900. Range for Fico 8 is 300 to 850.

 

My Fico 8 Bankcard score is 36 (EQ) to 50 (TU) points higher than my classic Fico 8 score from the same CB.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 5
SouthJamaica
Mega Contributor

Re: EQ FICO Bankcard 8 higher than EQ FICO 8


@Anonymous wrote:

The Bankcard score places more emphasis on, you guessed it, bank cards. You have a sizable portfolio of cards, so it makes sense that score would be higher.


Actually, bank cards are all I have Smiley Happy


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 4 of 5
taxi818
Super Contributor

Re: EQ FICO Bankcard 8 higher than EQ FICO 8

Every time i look at those scores my bankcard score is always 10 points higher than my fico 8. all 3 bureaus. for some reason. don't know why.

Message 5 of 5
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