What Scoring method is this?

[Mekitcat]

I received my welcome packet from Citi yesterday. (not my card yet though)

And it says my credit score is 916

Source: Experian

Range is low of 0 to high of 999

Not familiar with this one any ideas?

I know its not Fico and EX Plus starts its low at 501 so I'm baffled?!

[MarineVietVet]

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@Mekitcat wrote:

I received my welcome packet from Citi yesterday. (not my card yet though)

And it says my credit score is 916

Source: Experian

Range is low of 0 to high of 999

Not familiar with this one any ideas?

I know its not Fico and EX Plus starts its low at 501 so I'm baffled?!

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Actually Plus scores go from 330 to 830. VantageScores start at 501 and go to 990.

But I am baffled by this myself. I will look into it but I bet someone will come along much smarter than I am who will know what this is all about.

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".

[Mekitcat]

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@MarineVietVet wrote:

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@Mekitcat wrote:

I received my welcome packet from Citi yesterday. (not my card yet though)

And it says my credit score is 916

Source: Experian

Range is low of 0 to high of 999

Not familiar with this one any ideas?

I know its not Fico and EX Plus starts its low at 501 so I'm baffled?!

---

Actually Plus scores go from 330 to 830. VantageScores start at 501 and go to 990.

But I am baffled by this myself. I will look into it but I bet someone will come along much smarter than I am who will know what this is all about.

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".

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See just goes to show I don't know lol

[Mekitcat]

*Bumping*

Anybody have any ideas? I was hoping someone would know.

[GregB]

I'm skeptical that it is any normal score. I have information on almost 100 different score models and none of them go higher than 990 or lower than 150. Experian is a bit less clear in their marketing materials to potential business clients than EQ and TU. They don't seem to publish a list of all their products like the others.

First guess is a typo or an error from lender.

Second guess is it is a new version of an EX specific New Account Score. This would be similar to the TU New Account Score v3 (range 150-990) that is being quoted when someone gets a new CC from certain CCCs.

[haulingthescoreup]

Another guess, although it doesn't tell us what score is being used:

The 0-999 range shows because no numbers were entered in that particular data field, and those are a default display.

So, not that there's some score on a 0-999 range, but that this is a score where they didn't publish the range, for whatever reason.

[Anonymous]

I'm going through a Refi and these are the scores provided by my lender. .

EQ  783

The range of scores (334 low - 818 high)

TU 812

The range of scores  (309 low -839 high)

EX 818

The range of  scores  (320 low - 844 high)

Why are all  the ranges different? Which one represents a true FICO?

[GregB]

All of them are FICO scores. Actually, they are exactly what you would expect a mortgage application to pull for scores.

EQ is Beacon 5 - possible range 334-818.

TU is FICO Risk Score, Classic 04 -possible range 309-839. This is the one we would like to get here as it seems to be common for a mortgage. The TU FICO Risk Score, Classic 98 that is available here has a range of 336-843.

EQ is Fair Issasc v2 FICO - possible range 320-844. This is the one we used to be able to get here.

[Mekitcat]

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@haulingthescoreup wrote:

Another guess, although it doesn't tell us what score is being used:

The 0-999 range shows because no numbers were entered in that particular data field, and those are a default display.

So, not that there's some score on a 0-999 range, but that this is a score where they didn't publish the range, for whatever reason.

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I just thought it was weird I never seen or knew of a scoring method as this. But then I'm still new to all of this

[Mekitcat]

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@GregB wrote:

I'm skeptical that it is any normal score. I have information on almost 100 different score models and none of them go higher than 990 or lower than 150. Experian is a bit less clear in their marketing materials to potential business clients than EQ and TU. They don't seem to publish a list of all their products like the others.

First guess is a typo or an error from lender.

Second guess is it is a new version of an EX specific New Account Score. This would be similar to the TU New Account Score v3 (range 150-990) that is being quoted when someone gets a new CC from certain CCCs.

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Well if it's a typo even on the high end number 999 depending on high/low it may actually go I'd say my 916 isn't bad.