topic Re: When does your FICO score from Citi update? in Understanding FICO® Scoring

When does your FICO score from Citi update?

Anonymous — Thu, 28 Sep 2017 12:41:26 GMT

Is it the same time every month for you and if so when? When I asked CS they said it updates at the "beginning of the month for everyone" but I would have thought it follows the statement closing date, or something specific to the actual account. Thank you.

Re: When does your FICO score from Citi update?

Anonymous — Thu, 28 Sep 2017 12:46:32 GMT

Mine flips to the new score at the beginning of the month, shows 'Your FICO Score as of x/22', and has the statement cut on the 20th.

Re: When does your FICO score from Citi update?

Anonymous — Thu, 28 Sep 2017 12:52:15 GMT

@Anonymous wrote:
Mine flips to the new score at the beginning of the month, shows 'Your FICO Score as of x/22', and has the statement cut on the 20th.

Gotcha, so it's generating your score 2 days after your statement cuts, but not providing it to you until the beginning of the month? When you say the beginning of the month are you talking specifically the 1st, or does that date fluctuate a bit in either direction?

Re: When does your FICO score from Citi update?

Anonymous — Thu, 28 Sep 2017 13:10:58 GMT

I don't check daily, so I can't be too precise. I checked today; still no update. I'll check on Sunday and let you know what happens if there hasn't been a definitive answer.

Re: When does your FICO score from Citi update?

Anonymous — Thu, 28 Sep 2017 15:02:17 GMT

Cool, thanks. Maybe the CS person was actually right on this one if everyone generally sees the update around the beginning of the month. I would have thought it was based on statement cut date similar to Amex for example, but perhaps not.

Re: When does your FICO score from Citi update?

Poppa — Sat, 30 Sep 2017 01:12:57 GMT

I get my updated score 2 weeks after it updates on the 22nd.

Re: When does your FICO score from Citi update?

Lucky7z — Sat, 30 Sep 2017 22:22:07 GMT

Thanks I was wondering about this also

Re: When does your FICO score from Citi update?

Anonymous — Mon, 02 Oct 2017 02:27:01 GMT

This is looking pretty likely; no update today. I'll drop another line when it finally does.

Re: When does your FICO score from Citi update?

Thomas_Thumb — Mon, 02 Oct 2017 03:36:56 GMT

@Anonymous wrote:
Cool, thanks. Maybe the CS person was actually right on this one if everyone generally sees the update around the beginning of the month. I would have thought it was based on statement cut date similar to Amex for example, but perhaps not.

BBS - My Fico 9 Bankcard score from Citi "refreshes" at the beginning of each month (did not update today - Sunday 10/1) so it may be the 1st or 2nd business day of the month.

Shown below are the reported pull dates from Citi. Clearly they would have pulled data for a 9/2017 score before now but, it does not show as of 10/1/2017.

28-Mar

25-Apr

23-May

27-Jun

25-Jul

22-Aug

Re: When does your FICO score from Citi update?

Anonymous — Mon, 02 Oct 2017 06:52:50 GMT

Good info, thanks for that. Equifax finally fixed my name on my credit report on the 27th, which no doubt is after when Citi would have attempted a pull, say between the 20th-25th. I may have missed the boat again this month. I've been working with the EO though to fix multiple issues with my account, so when I speak to them again this coming week assuming there still is no score generated I'll ask if they have any means of attempting a manual pull or having the system initiate another pull early for testing purposes.

Re: When does your FICO score from Citi update?

Anonymous — Thu, 12 Oct 2017 23:39:03 GMT

Well, my score finally updated. Effective date of the 26th, new score posted today. It seems possible that your corrected issue may have made the cut.

Re: When does your FICO score from Citi update?

Anonymous — Fri, 13 Oct 2017 07:37:24 GMT

Still no score on my account. I was in contact with a very helpful person from the EO over the course of a couple of weeks a few times, but she has ceased communication completely. I've left her messages as well as sent her a letter proving the name on my credit report matches what Citi has on my account and she hasn't even contacted me back. I feel like at this point Citi is sort of washing their hands of my ever getting a credit score and getting my account to report to TU as well.

Re: When does your FICO score from Citi update?

Sanjo812 — Sun, 15 Oct 2017 03:02:57 GMT

@Anonymous wrote:
Well, my score finally updated. Effective date of the 26th, new score posted today. It seems possible that your corrected issue may have made the cut.

Mine was also effective the 26th, but I don't think I actually saw the update until the 11th or the 12th like you.

Re: When does your FICO score from Citi update?

Thomas_Thumb — Sun, 15 Oct 2017 18:44:51 GMT

@Sanjo812 wrote:
@Anonymous wrote:
Well, my score finally updated. Effective date of the 26th, new score posted today. It seems possible that your corrected issue may have made the cut.

Mine was also effective the 26th, but I don't think I actually saw the update until the 11th or the 12th like you.

I checked my account on the 11th and the web site displayed a refreshed score that had not been there when last checked back on the 3rd. Hovering over the score dot displayed an "as of 9/26" date.

It looks like lag time for display refresh after rescore is 10 to 15 business days depending on the month.

Re: When does your FICO score from Citi update?

CramEiko — Mon, 16 Oct 2017 00:23:03 GMT

@Anonymous wrote:
Is it the same time every month for you and if so when? When I asked CS they said it updates at the "beginning of the month for everyone" but I would have thought it follows the statement closing date, or something specific to the actual account. Thank you.

Interesting? I have 2 Citi cards. One (AA) closes around the 3rd if it doesn't fall on a weekend. The second (Costco) around the 8th if its not on a weekend.