topic Re: Question about Citi application denial in Credit Card Applications

Question about Citi application denial

Anonymous — Thu, 17 Oct 2019 15:09:19 GMT

What model is Citi using? Got my decline from them stating the score goes up to 900

Re: Question about Citi application denial

Anonymous — Thu, 17 Oct 2019 15:13:24 GMT

@Anonymous wrote:
What model is Citi using? Got my decline from them stating the score goes up to 900

@Anonymous

I moved your post here because it does not apply to the thread that you posted in.

Most likely the score that they gave you was the FICO 08 bankcard enhanced which does go to 900.

Re: Question about Citi application denial

Anonymous — Thu, 17 Oct 2019 15:23:53 GMT

Yup, Bankcard enhanced scores are what they provide and use.

Re: Question about Citi application denial

snickerpedia — Fri, 18 Oct 2019 03:37:54 GMT

what is the difference between fico 08 and fico 08 enhanced??

Re: Question about Citi application denial

Anonymous — Sun, 20 Oct 2019 15:02:22 GMT

@snickerpedia wrote:
what is the difference between fico 08 and fico 08 enhanced??

Due to FICO’S proprietary methods for scoring we will never know the exact differences but in theory the bankcard enhanced version is ‘better’ for credit card issuers to judge a credit card application. This is true for any of the different models such as the auto enhanced or mortgage scores. Whether the particular creditor decides to use these versions is entirely up to them.