Citi & Credit Scores

LilNYC · ‎08-17-2012

Just applied for a Citi card, was approved but not at the best terms so they gave me credit score. They said my Equifax credit score is a 725 on a scale from 250-900. Diesn't make sense to me, I thought but Fico scores are on a 300-850 scale? Letter from Citi diesn't use the term "fico" anywhere. So is this my real score or not! Fako put me at 781.

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755

youngandcreditwrthy · ‎08-17-2012

It's not a real (FICO) score, it's Citi's own scoring system.... This is sort of where FICO really doesn't apply...:-/

Jlu · ‎08-17-2012

Bankcard enhanced Beacon 5.0 FICOs use this range AFAIK.

LilNYC · ‎08-17-2012

Thanks for the info. Does this mean that my EQ Fico is higher or lower than what Citi gave me?

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755