topic Re: Citi free EX FICO Score 8 for 90 days in Credit Cards

Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 13:13:29 GMT

https://www.creditscore.citi.com/#/

Citi is offering a free EX FICO Score 8 (similar to Discover's free website) for 90 days here: https://www.creditscore.citi.com/#/

This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access. From the terms: "Citi will use your credit report information to identify credit card offers that you may be interested in based on information in your credit profile. Details regarding the privacy of your information are described in the Privacy Notice."

Interesting to see, but if you already are signed up for Credit Score Card or Credit Score's free monthly FICO 8 EX, make sure to offset this sign up by a week or two so you get 2 scores at different times of the month.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 14:08:30 GMT

In addition to these two, Amex is also offering free EX FICO 8 to cardmembers you you may also take that into account and choose the right date to sign up for this. Now I have three accesses to my EX FICO - this one today, Discover a week before today and Amex a week after today.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 14:21:03 GMT

Don't forget the 4th one: creditscore.com also by Experian. You can have one each week if properly timed, all free!

Kinda excited if Citi offers actual preapproval offers on this one. Does anyone see any strong offers or just invitations?

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 14:27:46 GMT

@Anonymous wrote:
Don't forget the 4th one: creditscore.com also by Experian. You can have one each week if properly timed, all free!

Kinda excited if Citi offers actual preapproval offers on this one. Does anyone see any strong offers or just invitations?

Just invitations for me and all are ranges of APRs, but I don't get prequalified through Citi's citicards site anyways. One of the invitations is ThankYou Premier which I already have.

And thanks for the creditscore.com tip, I'll choose a correct time to sign up for that.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 14:32:39 GMT

Hmm, here are my two "invitations" on the site...

Citi DC shows 9 months 0% APR and then 24.74% after:

AAdvantage Gold World Elite showing 25,000 miles for $750 spend in 3 months, annual fee $50 waived first 12 months, APR range of 17.24% - 25.24%:

No preapproved wording anywhere so just a marketing ad it seems.

Does your text show the same?

Re: Citi free EX FICO Score 8 for 90 days

lokobo — Wed, 17 Jan 2018 14:55:38 GMT

Any one have a ballpark idea how much a single FICO score costs a large lender?

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 15:00:54 GMT

@lokobo wrote:
Any one have a ballpark idea how much a single FICO score costs a large lender?

There's no fixed cost. I looked into providing my own FICO pull and credit report site and you negotiate the price based on many factors. You don't even negotiate with FICO only but with the bureau since you can optionally pay to subscribe an account to monitoring feeds, and when you subscribe to a bureau, they may also include a FICO score in the price -- so basically you pay the bureau who pays FICO who feeds them the score who feeds it to you. Real confusing contracts.

I'd guess it's around a buck a month average, though, but if you display more accurate data it may cost far more. I believe the contracts include how much data you can disclose, and where that data is sourced from.

One thing to note, though, is that all of these free EX 8 websites all source from the same API/backend (ConsumerInfo.com I'd guess) so it's probably a cheaper product. I would guess ConsumerInfo probably has a subscription with FICO itself (and their parent company, Experian) to get massive discounts to provide for marketing purposes for prime lender banks.

I never did create a website because it was too costly -- hundreds of thousands of dollars up front for a startup and tens of thousands of users required, plus the cost per pull+score was ridiculous at the entry level ($10 or more I believe).

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 15:20:37 GMT

@Anonymous wrote:
Hmm, here are my two "invitations" on the site...

Citi DC shows 9 months 0% APR and then 24.74% after:

AAdvantage Gold World Elite showing 25,000 miles for $750 spend in 3 months, annual fee $50 waived first 12 months, APR range of 17.24% - 25.24%:

No preapproved wording anywhere so just a marketing ad it seems.

Does your text show the same?

My Citi DC gives "0% intro APR for 18 months on balance transfers; after that, the variable APR will be 14.74% - 24.74% based on your creditworthiness" (and no mentioning of 0% for purchases, after clicking into the app link the purchase APR is the standard range with no intro).

Citi Double Cash

The AAdvantage is same as you, but I also got TYPremier and Simplicity, all of which are APR ranges. So I guess your DC offer is a solid one.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 15:32:21 GMT

Very curious! I'm firmly in the garden til 6/19 as my signature shows.

I did get a mailer from Citi DC last week with an "invitation to apply" which is my second prime mailer in 10 years (both from Citi).

I CO'd them on a loan 10+ years ago, never paid it. They sued me, I beat it in court over absolutely horrendous paperwork and legal violations by them, so it was $0'd out and dropped off my reports forever ago. Maybe they're finally forgiving, who knows. I don't even remember what year that was, could be 15 years ago for all I know, lol.

I'd be curious to see if that's approved for me but honestly the CSR (or CSP) is more important. I do have Citi DC on my "wish list" for the future, though. But right now it's CSR/CSP -> Amex Plat -> possibly 3% card like Disc IT Miles first year -> 2% card after that one. Which to me means Citi DC is 2020 lolol. If they even offer it anymore. Long time to wait.

Thanks for sharing your data points! I only have the 2 cards showing, very weird but great information.

My FICO there is 709, same as CCT.

Also, I wonder if apping through the site affects which CR is pulled.

Re: Citi free EX FICO Score 8 for 90 days

jawbrkr — Wed, 17 Jan 2018 18:48:05 GMT

I am pretty sure the FICO score that citi offers to current card members is not a fico 8 score as the scale goes from 250 - 900. It is also from equifax, not experian.

Re: Citi free EX FICO Score 8 for 90 days

CreditCuriosity — Wed, 17 Jan 2018 19:52:34 GMT

Think it might be legit.. Set APR on DC for me which I dont have with citi and the AA is range. Terms was set APR and 9 months 0% APR for me on the DC. Have two other citi cards currently.. This is an interesting development from Citi. Have no interest in the DC card though and about ready to apply for a mortgage so no-no for me

Also showing current score of 720 and 5 Experian inquiries in last year which is correct.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 18:50:43 GMT

@jawbrkr wrote:
I am pretty sure the FICO score that citi offers to current card members is not a fico 8 score as the scale goes from 250 - 900. It is also from equifax, not experian.

The link isn't for just Citi customers but for anyone, similar to Discover's CreditScoreCard which is also not just for Discover customers.

Re: Citi free EX FICO Score 8 for 90 days

CreditCuriosity — Wed, 17 Jan 2018 18:50:45 GMT

@jawbrkr wrote:
I am pretty sure the FICO score that citi offers to current card members is not a fico 8 score as the scale goes from 250 - 900. It is also from equifax, not experian.

If you are already a citi card holder it is a EQ 08 Bankcard enhanced score they give you with you CC.. I just signed up for this and it was a EXPERIAN 08 score

Your FICO® Score 8 was calculated on 1/17/2018 based on your Experian credit report data.

You can update your score every 30 days

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 18:53:00 GMT

@CreditCuriousity wrote:
Think it might be legit.. Set APR on DC for me which I dont have with citi and the AA is range. Terms was set APR and 9 months 0% APR for me on the DC. Have two other citi cards currently.. This is an interesting development from Citi. Have no interest in the DC card though and about ready to apply for a mortgage so no-no for me

Yep, too little too late for me. 2 months ago I'd have been jumping all over that for a 2% card but now it's just meh. I value my Chase FU earning potential as 2.25% anyway (1.5% cashback now, but banking URs for future CSR redemption on travel).

I would like to get back in with Citi eventually. Next month I'm working out an interesting mentorship possibility and the guy wants to fly me first class on AA, so I may eventually need an AA card if CSR redemption sucks. But that's at least a year away or so, and CSR is still my priority. Getting back in with Citi may let me aim for their best AA card, unless Barclay's is better; I haven't done the math/research.

Re: Citi free EX FICO Score 8 for 90 days

jlitnns — Wed, 17 Jan 2018 19:24:34 GMT

@Anonymous wrote:
https://www.creditscore.citi.com/#/

Citi is offering a free EX FICO Score 8 (similar to Discover's free website) for 90 days here: https://www.creditscore.citi.com/#/

This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access. From the terms: "Citi will use your credit report information to identify credit card offers that you may be interested in based on information in your credit profile. Details regarding the privacy of your information are described in the Privacy Notice."

Interesting to see, but if you already are signed up for Credit Score Card or Credit Score's free monthly FICO 8 EX, make sure to offset this sign up by a week or two so you get 2 scores at different times of the month.

Gracias, I just signed up. I'll take it. Mid month check up. I have updates, 7th, 17th, 21st, 28th, 30th now, not including Credit Karma...jk.

Re: Citi free EX FICO Score 8 for 90 days

jlitnns — Wed, 17 Jan 2018 19:26:43 GMT

@Anonymous wrote:
Hmm, here are my two "invitations" on the site...

Citi DC shows 9 months 0% APR and then 24.74% after:

AAdvantage Gold World Elite showing 25,000 miles for $750 spend in 3 months, annual fee $50 waived first 12 months, APR range of 17.24% - 25.24%:

No preapproved wording anywhere so just a marketing ad it seems.

Does your text show the same?

Mine shows the exact same offers...same APR on the DC as well. Must just be marketing.

Re: Citi free EX FICO Score 8 for 90 days

pizza1 — Wed, 17 Jan 2018 19:44:53 GMT

@Anonymous wrote:
https://www.creditscore.citi.com/#/

Citi is offering a free EX FICO Score 8 (similar to Discover's free website) for 90 days here: https://www.creditscore.citi.com/#/

This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access. From the terms: "Citi will use your credit report information to identify credit card offers that you may be interested in based on information in your credit profile. Details regarding the privacy of your information are described in the Privacy Notice."

Interesting to see, but if you already are signed up for Credit Score Card or Credit Score's free monthly FICO 8 EX, make sure to offset this sign up by a week or two so you get 2 scores at different times of the month.

I think this could be legit. This is what my blue-green box showed, which was nothing. Not surprised either given my EXP report right now... Citi was IIB, and Im only 4 1/2 yrs post DC, plus BK shows on reports...

Re: Citi free EX FICO Score 8 for 90 days

jlitnns — Wed, 17 Jan 2018 20:31:38 GMT

@pizza1 wrote:
@Anonymous wrote:
https://www.creditscore.citi.com/#/

Citi is offering a free EX FICO Score 8 (similar to Discover's free website) for 90 days here: https://www.creditscore.citi.com/#/

This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access. From the terms: "Citi will use your credit report information to identify credit card offers that you may be interested in based on information in your credit profile. Details regarding the privacy of your information are described in the Privacy Notice."

Interesting to see, but if you already are signed up for Credit Score Card or Credit Score's free monthly FICO 8 EX, make sure to offset this sign up by a week or two so you get 2 scores at different times of the month.
I think this could be legit. This is what my blue-green box showed, which was nothing. Not surprised either given my EXP report right now... Citi was IIB, and Im only 4 1/2 yrs post DC, plus BK shows on reports...

So you think this is related to your BK and not your scores, my scores aren't any better. No BK though.

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 20:40:15 GMT

They're definitely tailored custom marketing offers, but if they're strong ones or not is anybody's guess.

I don't have any offers from Citibank if I use their prequalify page -- ever. I did get 2 mailers 2 weeks apart in Dec/Jan from Citi but the wording on my mailers is more "invitation to apply" than "hey you're preapproved for sure" wording. Now this one compared to what others have posted leads me to believe Citi is more likely to approve me for DC but honestly it just isn't worth it for me. Too many better cards to snag and my goal for 4/24 by 6/19 is stronger.

The thing is, I could actually app for one more card before then and still get to 4/24 on 6/19 but there's nothing I'm interested in enough. I'd LOVE a Sapphire product, and that's it. I guess I would probably be happy for a different travel card (US Bank's card) but my TU is my weak link (unpaid tax lien reporting) so I don't feel the desire to burn an inquiry for a card that would only get use until Chase lets me in with Sapphire.

Citi DC, as I said in my previous comment, is easily 2 years away from being useful for me. There are 3% card options I'd rather maximize!

But if anyone does apply through the site, please post your data points -- did you have any offers on Citi prequalify page, mailers, etc...

Re: Citi free EX FICO Score 8 for 90 days

Anonymous — Wed, 17 Jan 2018 20:53:53 GMT

@pizza1 wrote:
@Anonymous wrote:
https://www.creditscore.citi.com/#/

Citi is offering a free EX FICO Score 8 (similar to Discover's free website) for 90 days here: https://www.creditscore.citi.com/#/

This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access. From the terms: "Citi will use your credit report information to identify credit card offers that you may be interested in based on information in your credit profile. Details regarding the privacy of your information are described in the Privacy Notice."

Interesting to see, but if you already are signed up for Credit Score Card or Credit Score's free monthly FICO 8 EX, make sure to offset this sign up by a week or two so you get 2 scores at different times of the month.
I think this could be legit. This is what my blue-green box showed, which was nothing. Not surprised either given my EXP report right now... Citi was IIB, and Im only 4 1/2 yrs post DC, plus BK shows on reports...

Mine shows the same blue box as yours and I have a 2 1/2 year old BK.