topic Re: Citi Simplicity Fico Score in Credit Cards

Citi Simplicity Fico Score

Vegas247 — Wed, 25 Feb 2015 19:49:39 GMT

My wife was approved for a Citi Simplicity card about 4 months ago.....I'm trying to find out what FICO score range she had to be in to get approved as we are both going for a home loan in about 3 months...and what credit report (EX, EQ, TU) Citi normally pulls...anyone?

Re: Citi Simplicity Fico Score

Anonymous — Wed, 25 Feb 2015 19:53:52 GMT

@Vegas247 wrote:
My wife was approved for a Citi Simplicity card about 4 months ago.....I'm trying to find out what FICO score range she had to be in to get approved as we are both going for a home loan in about 3 months...and what credit report (EX, EQ, TU) Citi normally pulls...anyone?

Couple things. Don't rely on ranges of FICO scores for credit cards to determine chances at a mortgage. They are completely different. I strongly suggest that you pull a credit report that one would show you exactly what credit bureaus were pulled and two includes the Fico Mortgage Enhanced Score which is what mortgage lenders rely on and not credit card scores. It's far too important of a purchase not to have all the information ahead of time.

Re: Citi Simplicity Fico Score

JSS3 — Wed, 25 Feb 2015 20:53:47 GMT

Even if you learn the credit score/Mortgage Enhanced Score, won't each mortgage company have their own internal scoring system? If it's like credit, you'll never truly know until that business gives you their own score.

Re: Citi Simplicity Fico Score

Kostya1992 — Wed, 25 Feb 2015 21:20:21 GMT

Heard Fico04 is used for morgages.