topic Re: Citi FICO score? in Understanding FICO® Scoring

Citi FICO score?

SoCalGardener — Sun, 13 Feb 2022 04:27:21 GMT

I was under the impression that true FICO scores only go up to 850, but when I check my score on Citi, its scale goes up to 900. It *says* it's a FICO score. So what's up with that?

Re: Citi FICO score?

disdreamin — Sun, 06 Feb 2022 20:25:21 GMT

I don't have an exact match, but the score Citi provides is very close to my EQ FICO 9 scores and those are out of 900. I'll be following to see for sure, but the FAQs do indicate it's Equifax that they're using, and it's sure not FICO 8.

Re: Citi FICO score?

Remedios — Sun, 06 Feb 2022 20:33:11 GMT

Industry specific score such as Fico 8 Bankcard have different range just like different scoring models have different ranges

Re: Citi FICO score?

dmFICO8 — Sun, 06 Feb 2022 20:34:32 GMT

If you scroll down to the bottom of the page FAQ section, one of the answer will tell you that it is Equifax FICO Bankcard Score 8 model and is the same score Citi use.

Re: Citi FICO score?

SoCalGardener — Sun, 06 Feb 2022 20:37:04 GMT

@disdreamin wrote:
I don't have an exact match, but the score Citi provides is very close to my EQ FICO 9 scores and those are out of 900. I'll be following to see for sure, but the FAQs do indicate it's Equifax that they're using, and it's sure not FICO 8.

Interesting... As noted, I *thought* all FICO scores used a scale ending at 850; I thought it was those 'outlier' scores that could go up to 900. I even remember reading articles saying that ranges used to vary, but today, if you're seeing a real FICO score, it ends at 850.

FWIW, my scores as shown on Citi are generally within a few points of other sites' FICO scores, so at least it's pretty accurate as far as the number goes. But since its range goes up to 900, the number doesn't represent the same thing, you know? 818 out of 900 isn't as good as 818 out of 850.

Re: Citi FICO score?

SoCalGardener — Sun, 06 Feb 2022 20:38:28 GMT

@dmFICO8 wrote:
If you scroll down to the bottom of the page FAQ section, one of the answer will tell you that it is Equifax FICO Bankcard Score 8 model and is the same score Citi use.

Right, but as noted, I thought ALL real FICO scores used an 850 scale, hence my confusion!

Re: Citi FICO score?

mgood — Sun, 06 Feb 2022 22:04:37 GMT

FICO Classic 8, Classic 9, Classic 5,4,2, and 3 are 300-850.

FICO Bankcard 8, Bankcard 9, and Bankcard 5,4,2 are 250-900.

FICO Auto 8, Auto 9, and Auto 5,4,2 are 250-900.

Those are all "real" FICO scores.

Re: Citi FICO score?

SoCalGardener — Sun, 06 Feb 2022 23:14:13 GMT

@mgood wrote:
FICO Classic 8, Classic 9, Classic 5,4,2, and 3 are 300-850.

FICO Bankcard 8, Bankcard 9, and Bankcard 5,4,2 are 250-900.
FICO Auto 8, Auto 9, and Auto 5,4,2 are 250-900.

Those are all "real" FICO scores.

Thanks for that! It's very helpful.

I'd gotten the impression that, along the way, credit-related people had agreed upon standard scales, ending at 850. Now I know better. Thanks!

Re: Citi FICO score?

renkott — Fri, 07 Oct 2022 19:26:21 GMT

How do I turn off this feature in my Citi account?

Re: Citi FICO score?

FireMedic1 — Mon, 10 Oct 2022 08:33:31 GMT

@renkott wrote:
How do I turn off this feature in my Citi account?

Welcome @renkott

Its a perk to keep track of your score for free. Whichever each bank offers for FICO scores. No need to "turn it off". Unless you want to pay for the same scores. Just dont click on it.

Re: Citi FICO score?

renkott — Mon, 10 Oct 2022 18:28:50 GMT

@FireMedic1 wrote:
@renkott wrote:
How do I turn off this feature in my Citi account?
Welcome @renkott
Its a perk to keep track of your score for free. Whichever each bank offers for FICO scores. No need to "turn it off". Unless you want to pay for the same scores. Just dont click on it.

So you are saying it's not possible? Btw, I don't see it as a perk.

Re: Citi FICO score?

GZG — Mon, 10 Oct 2022 22:38:52 GMT

@renkott wrote:
How do I turn off this feature in my Citi account?

I don't know specifically for Citi, but is not there not a button that says opt-out/disable anywhere on that page?

Re: Citi FICO score?

renkott — Tue, 11 Oct 2022 00:36:38 GMT

Thank you GZG, but I can't find such option in my Citi account. However, I ended up contacting Citi and they put a stop to it on my account. And also opted me out of all other desperate marketing. All good now!