cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Denial / Wrong Score!

tag
Anonymous
Not applicable

Citi Denial / Wrong Score!

What's up with Citi? They denied me recently and said my Score with Experian was 630.. it's a Fico 740. I called and inquired and the Rep said that I'm more than welcome to mail in a copy of my latest credit score. I just wonder if it would make a difference. I asked what model they used of the Experian report and she was unable to tell me.

It was for the Citi Best Buy Visa.

Exp 740 / TU 697 / EQ 729. - All Fico 8
5 REPLIES 5
Anonymous
Not applicable

Re: Citi Denial / Wrong Score!

Any other HPs or new acc that may have jus hit your EX CR???

Message 2 of 6
DantGwyrdd
Frequent Contributor

Re: Citi Denial / Wrong Score!

Or they may not use a straight Fico 8 for approvals.

Message 3 of 6
Vegas4Play
Valued Contributor

Re: Citi Denial / Wrong Score!

Citi seems INQ sensitive lately

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 4 of 6
jawbrkr
Established Contributor

Re: Citi Denial / Wrong Score!

When they approved me Citi used a score that was on a scale of 250 - 900. My score was a 750. I believe it is some kind of Risk score, I have no clue. They also only pulled Experian for me.



|| TU08: 811 || EQ08: 811 || EX08: 802 ||



Message 5 of 6
Anonymous
Not applicable

Re: Citi Denial / Wrong Score!

I believe Citi uses a different scoring model. When I received a letter from them my EX score was different from my actual FICO EX score.

Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.