topic Re: 4 cycles with Citi, still no FICO score? in Credit Cards

4 cycles with Citi, still no FICO score?

Anonymous — Wed, 30 Aug 2017 04:10:55 GMT

Hey all. I think I posted a similar thread about a month ago, but it's buried at this point and I can't find it. A few days ago I received my 4th statement with Citi and I still have no FICO score available. When I click on FICO score, it says "FICO score is unavailable at this time." After my 3rd cycle closed, I contacted Citi about this through chat and they gave me a phone number to their "technical department" which was very unhelpful. They had me looking at things like different web browsers and such, which clearly weren't the problem. I was wondering if anyone had any advice here. It's not so much the credit score that I want, but the fact that I'm not getting one to me means that Citi isn't getting regular SPs on me from my account. I plan on requesting a HP CLI in about 2 months and would much rather they have a SP on hand that's current rather than the less favorable one I had at the time of approval. Can anyone offer up any advice on who to contact or what avenue to pursue in order to get Citi to look into this issue and start getting me monthly FICO scores generated? Should I hammer away at the technical department again? So far I spent probably an hour on the phone with the technical department over 2 phone calls and they were extremely unhelpful and clearly didn't do anything to resolve my issue. Thank you for the help here everyone.

Re: 4 cycles with Citi, still no FICO score?

CreditMagic7 — Wed, 30 Aug 2017 04:39:16 GMT

Go straight to the EO Dept and make a case for why it's not coming up for you yet.

Good Luck getting that to step it up for you. Seems an awful long time to me though.

I would make a fuss too but it just seems they are sometimes set on some designated schedule a little hard to follow for even those of us who already do see their bankcard eq 8.

themanwhocan is the member i think that says they normally update the second Tuesday AFTER the next following month.

Or something along those lines. ><

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Wed, 30 Aug 2017 14:47:44 GMT

As I have never dealt with the Citi EO, can you suggest the best way/means of contacting them? Is there a number or email address I should use?

Re: 4 cycles with Citi, still no FICO score?

K-in-Boston — Wed, 30 Aug 2017 15:07:37 GMT

@CreditMagic7 wrote:
Go straight to the EO Dept and make a case for why it's not coming up for you yet.

Good Luck getting that to step it up for you. Seems an awful long time to me though.

I would make a fuss too but it just seems they are sometimes set on some designated schedule a little hard to follow for even those of us who already do see their bankcard eq 8.

themanwhocan is the member i think that says they normally update the second Tuesday AFTER the next following month.

Or something along those lines. ><

+1 I'd call or email the EO (not sure which is best) and tell them that your credit score has not shown up on your account since you became a cardmember due to an error on their end, and that you have contacted support and they only treat it as a web browser issue on your end, which is not the case.

I just looked at the dates that the scores were generated, and I see that the scores are always from the 4th Tuesday of each month except for February where it was the 3rd Tuesday (02/21/2017). My last score showing as of today is the one from July 25th, and going by their patterns I am assuming that they generated a new score last Tuesday the 22nd that I'll see at some point next month.

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Wed, 30 Aug 2017 17:45:49 GMT

Understood. Any advice on finding EO contact info? I guess I'll try Citi chat first, but they'll probably try to troubleshoot my issue again. Not sure if regular CS would provide EO contact info.

Re: 4 cycles with Citi, still no FICO score?

CreditMagic7 — Wed, 30 Aug 2017 18:14:50 GMT

@Anonymous wrote:
Understood. Any advice on finding EO contact info? I guess I'll try Citi chat first, but they'll probably try to troubleshoot my issue again. Not sure if regular CS would provide EO contact info.

I always used the EO number for Citicards found in the Backdoor Numbers thread in the Applications SubForum.

In fact i just did some contact through them on another matter only 2 weeks ago using this forum's number for them.

Good Luck

Re: 4 cycles with Citi, still no FICO score?

Kforce — Wed, 30 Aug 2017 19:32:29 GMT

I believe after getting the Citi DC, it took 4 or 5 months before

they had the Fico Score linked to my page.

It was even longer for Barclays "SallieMae"

You can call or just be patient and it will probably show up

Re: 4 cycles with Citi, still no FICO score?

K-in-Boston — Wed, 30 Aug 2017 19:45:30 GMT

@Kforce wrote:
I believe after getting the Citi DC, it took 4 or 5 months before
they had the Fico Score linked to my page.
It was even longer for Barclays "SallieMae"
You can call or just be patient and it will probably show up

My wife's card predates the FICO scores being given out so I can't use that as a data point, but my score began showing when my first statement was generated on my Diamond Preferred card.

Re: 4 cycles with Citi, still no FICO score?

Kforce — Wed, 30 Aug 2017 20:15:41 GMT

@K-in-Boston wrote:
@Kforce wrote:
I believe after getting the Citi DC, it took 4 or 5 months before
they had the Fico Score linked to my page.
It was even longer for Barclays "SallieMae"
You can call or just be patient and it will probably show up
My wife's card predates the FICO scores being given out so I can't use that as a data point, but my score began showing when my first statement was generated on my Diamond Preferred card.

Is the diamond your first card with Citi?

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Wed, 30 Aug 2017 20:17:41 GMT

I'm assuming the issue has to do with the suffix on my name, as I experienced the same thing with Amex last year and all they had to do was make a modification to my name and my score started showing up with them. You'd think it would work based on SS# but evidently a name being off by a character can cause problems too.

Thanks for the backdoor number reference for the Citi EO. Do they operate only during business hours? Can you leave messages?

Re: 4 cycles with Citi, still no FICO score?

CreditMagic7 — Wed, 30 Aug 2017 21:08:55 GMT

@Anonymous wrote:
I'm assuming the issue has to do with the suffix on my name, as I experienced the same thing with Amex last year and all they had to do was make a modification to my name and my score started showing up with them. You'd think it would work based on SS# but evidently a name being off by a character can cause problems too.

Thanks for the backdoor number reference for the Citi EO. Do they operate only during business hours? Can you leave messages?

I had exactly a same issue but different ordeal with the old (quack, quack) Duck Card. They issued the thing with a single character out of place which in turn automatically rejected every 2nd slide of the card no matter what. Always had to call to get the card turned back on but after the first good slide, bingo, card 0ff again.

Needless to say they never corrected it and i eventually closed it but they were already in dutch anyway but that's an old and other story of course.

It's best to call them during regular business hours IMO however i honestly can't say for certain if they operate outside of that or not though.

You might be able to leave a message and they get back to you. Never had an occasion to do that myself.

Best of luck getting your Score to finally show up. I would imagine it will once you have someone look at that issue specifically for you.

Re: 4 cycles with Citi, still no FICO score?

K-in-Boston — Wed, 30 Aug 2017 21:09:22 GMT

@Kforce wrote:
@K-in-Boston wrote:
@Kforce wrote:
I believe after getting the Citi DC, it took 4 or 5 months before
they had the Fico Score linked to my page.
It was even longer for Barclays "SallieMae"
You can call or just be patient and it will probably show up
My wife's card predates the FICO scores being given out so I can't use that as a data point, but my score began showing when my first statement was generated on my Diamond Preferred card.
Is the diamond your first card with Citi?

I had 3 previous CBNA store cards that have been closed (and AU on a Best Buy that is still open), but technically yes it's my first CitiBank card. We added me as an AU on my wife's Diamond Preferred (PCed to Double Cash in early 2016) at some point in 2015 along with a handful of other cards since my AAoA tanked (along with oldest account, which dropped 7 years!) when all of my old cards that I closed in 2005 had fallen off of my reports. Remember kids, it's usually a bad idea to close your oldest cards!

BBS, I bet it is the suffix. I recall you having an issue with that previously.

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Wed, 30 Aug 2017 21:13:56 GMT

Thanks guys, I'll keep you updated as to my progress. As I stated earlier, getting the score is nice and all but I really just want to know that Citi is able to SP me monthly. I'd hate to miss out on auto-CLIs or anything simply because they aren't able to adequately SP me.

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Thu, 31 Aug 2017 03:34:20 GMT

Another thing to add, my Citi account still has not shown up on my TU report... just EX and EQ. I'm wondering if this is a related issue.

Re: 4 cycles with Citi, still no FICO score?

K-in-Boston — Thu, 31 Aug 2017 03:42:58 GMT

Sounds like there's certainly a reporting issue, although odd that the two issues are with two CBs. I want to say that Citi may have appeared on all 3 reports prior to my first statement even closing?

Re: 4 cycles with Citi, still no FICO score?

mrldp40 — Thu, 31 Aug 2017 16:54:46 GMT

I'm having same problem with navy and penfed .no fico 09 it really aggravated

Re: 4 cycles with Citi, still no FICO score?

UncleB — Sat, 02 Sep 2017 03:17:00 GMT

@Anonymous wrote:
Another thing to add, my Citi account still has not shown up on my TU report... just EX and EQ. I'm wondering if this is a related issue.

My Diamond Preferred has never reported on TU either (for the new folks, I also have a suffix on my last name).

I've not pursued it, though, since at this point it wouldn't help anything (I don't need the utilization, and it would lower my TU AAoA). Once the account is old enough where it will help AAoA rather than lower it I might ask them about it.

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Sat, 02 Sep 2017 07:53:30 GMT

UncleB, did you ever have any issues with your FICO score generating with your Citi account (perhaps based on the suffix issue)?

Re: 4 cycles with Citi, still no FICO score?

UncleB — Sat, 02 Sep 2017 08:30:47 GMT

@Anonymous wrote:
UncleB, did you ever have any issues with your FICO score generating with your Citi account (perhaps based on the suffix issue)?

So far the score has always generated as expected.

I admit the not reporting to TU issue was a head-scratcher for a while, but as I mentioned above I've grown to appreciate it (LOL). That said, based on your experience with them I might just decide to leave well enough alone for good... it's apparent that Citi isn't good at resolving 'out of the box' issues.

Re: 4 cycles with Citi, still no FICO score?

Anonymous — Sun, 03 Sep 2017 03:19:41 GMT

I was considering that, but in a few months I want to go for a CLI on the card and if they aren't able to access my report regularly it may not help my chances. I know with Amex and Capital One I had this issue and it's an issue that in the past has hindered the growth of my accounts at times.