topic Re: CITI'S FICO SCORE in Credit Cards

CITI'S FICO SCORE

bigbang91 — Fri, 06 Mar 2015 23:38:19 GMT

Any one got their newest FICO score from Citi?The latest score for me is on Jan 27,wonder if Citi actually update score on monthly basic,or is it 1 time thing!

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 00:11:55 GMT

@bigbang91 wrote:
Any one got their newest FICO score from Citi?The latest score for me is on Jan 27,wonder if Citi actually update score on monthly basic,or is it 1 time thing!

Yes, mine is Jan 27 as well. I doubt if it is a one-time thing, but, like Barclays, may update only on certain types of change, which may or may not be the significant ones! (e.g. I have a new inq and account on EQ since Jan 27)

Re: CITI'S FICO SCORE

bigbang91 — Sat, 07 Mar 2015 00:23:01 GMT

@Anonymous wrote:
@bigbang91 wrote:
Any one got their newest FICO score from Citi?The latest score for me is on Jan 27,wonder if Citi actually update score on monthly basic,or is it 1 time thing!
Yes, mine is Jan 27 as well. I doubt if it is a one-time thing, but, like Barclays, may update only on certain types of change, which may or may not be the significant ones! (e.g. I have a new inq and account on EQ since Jan 27)

I have 2 Inqs and new account but no update, they sureare taking their time

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 00:33:19 GMT

Does anyone know if Citi offers this on co-branded cards as well? Such as Home Depot? I looked online and could not find any mention of it. Been meaning to reach out to someone but if someone knows, that would be awesome!

Re: CITI'S FICO SCORE

core — Sat, 07 Mar 2015 00:34:03 GMT

@Anonymous wrote:
Yes, mine is Jan 27 as well. I doubt if it is a one-time thing, but, like Barclays, may update only on certain types of change, which may or may not be the significant ones! (e.g. I have a new inq and account on EQ since Jan 27)

Mine is the 27th as well. I was just looking into this last week after growing impatient, and somewhere on Citi's site I could have sworn it did in fact say the score was updated only on certain events. But the fact that all of ours are the 27th pretty much proves that as a lie. What they really mean is, "We'll update it when we feel like it".

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 00:38:06 GMT

My score still says Jan 27, but the score factors listed have changed since then

Re: CITI'S FICO SCORE

JSS3 — Sat, 07 Mar 2015 00:42:57 GMT

Same here. Last update the 27th. I need them to go ahead and refresh already as I paid my balances down and want a CLI!

Re: CITI'S FICO SCORE

bdhu2001 — Sat, 07 Mar 2015 00:43:01 GMT

@Anonymous wrote:
Does anyone know if Citi offers this on co-branded cards as well? Such as Home Depot? I looked online and could not find any mention of it. Been meaning to reach out to someone but if someone knows, that would be awesome!

I recall them saying it would not be on co-branded cards.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 00:48:17 GMT

Same here. Expecting an update at the next closing day.

Re: CITI'S FICO SCORE

JSS3 — Sat, 07 Mar 2015 00:49:26 GMT

My card closed on the 4th. No update.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 01:43:35 GMT

Don't worry about Citi. It's not even a true FICO score, it's FAKO. Notice that the score goes to 900. FICO 08 only goes to 850. They're using the Vantage 3.0 model, which only has 5% market share.

Stick to true FICO scores, like Discover or Barclays.

Re: CITI'S FICO SCORE

HiLine — Sat, 07 Mar 2015 01:47:30 GMT

@Anonymous wrote:
Don't worry about Citi. It's not even a true FICO score, it's FAKO. Notice that the score goes to 900. FICO 08 only goes to 850. They're using the Vantage 3.0 model, which only has 5% market share.

Stick to true FICO scores, like Discover or Barclays.

It is a FICO score. FICO bankcard scores have a range of 250-900. Your theory about Vantage 3.0 is completely wrong.

Nice try.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 01:59:34 GMT

@HiLine wrote:
@Anonymous wrote:
Don't worry about Citi. It's not even a true FICO score, it's FAKO. Notice that the score goes to 900. FICO 08 only goes to 850. They're using the Vantage 3.0 model, which only has 5% market share.

Stick to true FICO scores, like Discover or Barclays.
It is a FICO score. FICO bankcard scores have a range of 250-900. Your theory about Vantage 3.0 is completely wrong.

Nice try.

Particularly since Vantage 3.0 has the same score range as classic Fico.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 02:00:43 GMT

....and the big FAQ at the bottom that says flat out it is FICO Bankcard 8

Re: CITI'S FICO SCORE

MarineVietVet — Sat, 07 Mar 2015 02:13:33 GMT

@Anonymous wrote:
Don't worry about Citi. It's not even a true FICO score, it's FAKO. Notice that the score goes to 900. FICO 08 only goes to 850. They're using the Vantage 3.0 model, which only has 5% market share.

Stick to true FICO scores, like Discover or Barclays.

I'm not sure where you got your information but it's incorrect. From my Citi account website:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and may be different from other credit scores. FICO® Scores are intended for and delivered only to the Primary cardmember and only if a FICO® Score is available. Disclosure of this score is not available for all Citi products and Citi may discontinue displaying the score at our discretion.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 02:15:00 GMT

Same here. Jan 27 and never another update.

Re: CITI'S FICO SCORE

WillTeasle — Sat, 07 Mar 2015 02:15:24 GMT

I can't even get to mine to check anymore. The website just pretty much implodes when I attempt to access the card benefits page. Perhaps something to do with my recent PC of the card?

However, the last time I was actually able to get through was a score from 1/27/15. So another data point for limited updates.

Re: CITI'S FICO SCORE

Anonymous — Sat, 07 Mar 2015 03:18:49 GMT

I think they update with a pull on the 27th of each month. My first score from them listed "as of" 12/27 and posted around the end of January, my " as of" 1/27 score update posted around 2/10, so I'm guessing we'll all see the 2/27 scores update somewhere in the next week or so. Seems like you're seeing your score about 3 weeks after they pull it.

Re: CITI'S FICO SCORE

OnTheRebound — Sat, 07 Mar 2015 03:56:56 GMT

@Anonymous wrote:
I think they update with a pull on the 27th of each month. My first score from them listed "as of" 12/27 and posted around the end of January, my " as of" 1/27 score update posted around 2/10, so I'm guessing we'll all see the 2/27 scores update somewhere in the next week or so. Seems like you're seeing your score about 3 weeks after they pull it.

You beat me to it. My Jan 27 scores posted online Feb 10. So I'm expecting my Feb 27 score to post on Mar 10. But we will see.

Re: CITI'S FICO SCORE

Transmogrifying_Bee — Sat, 07 Mar 2015 05:24:35 GMT

I check the CITI website quite often for this FICO Bankcard 8 credit score update. I've noticed quite a discrepancy between the "As of" date listed under the FICO score and the date I first viewed each revised score and printed a hard copy:

1. As of "12-23-2014" Printed score on 1-21-2015

2. As of "1-27-2015" Printed score on 2-15-2015

The difference between the "As of" and "Print" dates is only suggestive since I certainly didn't check the site every day. Still, there is a pronounced wait time between the score date and when we can actually view it. I'm sure we'll all be watching these dates more closely, now that we're aware of this CITI benefit.