Experian at "MyFico" versus at Citi credit card ?

[codedoctor]

hello!

Here at MyFico my Equifax (FICO Score 8) FICO is indicated as 850 out of possible 850.

But a Citi Bank credit card reports Equifax FICO monthly and it shows 867 out of possible 900.

Citi indicates "Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model.  This model has a FICO® Score range from 250 through 900."

These values have been consistent for a number of months so I don't think the difference is simply due to measuring at different points in time.

Which is more "accurate" as to what lenders, etc, would see?

Thank you.

[codedoctor]

Okay, I googled and read some interesting stories around the web. Also found this description from FICO about the various flavors of FICO scores

http://www.myfico.com/crediteducation/fico-score-versions.aspx

[Thomas_Thumb]

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@codedoctor wrote:

hello!

Here at MyFico my Equifax (FICO Score 8) FICO is indicated as 850 out of possible 850.

But a Citi Bank credit card reports Equifax FICO monthly and it shows 867 out of possible 900.

Citi indicates "Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model.  This model has a FICO® Score range from 250 through 900."

These values have been consistent for a number of months so I don't think the difference is simply due to measuring at different points in time.

Which is more "accurate" as to what lenders, etc, would see?

Thank you.

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Neither score is more accurate.

The scores are derived based on the model. I suspect more lenders use Fico 8 as opposed to Fico 8 Bankcard but you need to ask the specific lender. See link below for score ranges for different Fico models.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...