topic Re: Which FICO 08 Score Does Citi Provide? in Credit Cards

Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 03:33:31 GMT

According to Citi, my FICO 08 score jumped from 759 to 773! Amazing, considering my AAoA is a little over 12 months. My FICO 08 scores from Barclay, Discover, and American Express is much lower. They are around 742-747.

Re: Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 03:30:37 GMT

@Anonymous wrote:
According to Citi, my FICO 08 score jumped from 759 to 773! Amazing considering my AAoA is a little over 12 months. My FICO 08 scores from Barclay, Discover, and American Express is much lower. They are around 742-747.

They provide the Bankcard Enhanced version of Equifax FICO 08 which will be different than the 'normal' EQ FICO 08

Re: Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 03:32:19 GMT

That's a bummer. I thought I've passed the 750 range.

Re: Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 03:33:39 GMT

@Anonymous wrote:
That's a bummer. I thought I've passed the 750 range.

Maybe you have but you would have to check elsewhere to find out and don't dismiss the score. It's an important one to many creditors.

Re: Which FICO 08 Score Does Citi Provide?

takeshi74 — Mon, 15 Aug 2016 03:34:57 GMT

You can't just look at the numbers and assume that all scores are equivalent. You always need to consider the speciific scoring model. FICO 8 Bankcard is not FICO 8.

Re: Which FICO 08 Score Does Citi Provide?

Turbobuick — Mon, 15 Aug 2016 03:44:47 GMT

Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different?

Re: Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 03:52:49 GMT

@Turbobuick wrote:
Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different?

I guess all I have to do is deduct 50 points from my Citi score and then voila! My credit score!

Re: Which FICO 08 Score Does Citi Provide?

AverageJoesCredit — Mon, 15 Aug 2016 12:43:10 GMT

I would love to have your 773 citi score! Out of 900, not bad at all. I cant seem to get mine rising for some reason and i wonder with a lower score if that will effectively kill any shot a sp cli for my DC?

Re: Which FICO 08 Score Does Citi Provide?

Anonymous — Mon, 15 Aug 2016 12:50:41 GMT

@Anonymous wrote:
@Turbobuick wrote:
Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different?
I guess all I have to do is deduct 50 points from my Citi score and then voila! My credit score!

Well, slightly more plausible would be to scale it, (multiply by 17/18= 0.9444) but as I assume you know, that's wrong too. The models weigh things differently so there is no 1:1 correlation,