Free Citi FICO score

[youdontkillmoney]

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@Anonymous wrote:

Isn't this an Experian FAKO?

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^^^^

It's not experiena it is:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and may be different from other credit scores.

[Anonymous]

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@Anonymous wrote:

Isn't this an Experian FAKO?

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No it is the real FICO score not a FAKO

[Noctilum]

I just checked mine it says I have an 849.  Things affecting my score are I don't have enough revolving credit accounts (only 2) and I pay in full each month lol.

[Anonymous]

Its the Bankcard 8 model. Goes up to 900. Not a true FAKO, but not one of the standard Experien FICOs either. Take it with a [gigantic] grain of salt. 

[Anonymous]

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@Anonymous wrote:

Received the same email tonight, but I don't understand the point of it. Isn't it something we already know? They seem to just shoot out a generic email on an old subject, in case some customers haven't noticed the feature

"view score 24/7" doesn't mean it's monitoring your credit score 24/7 in real time. It's still monthly updated only. And as of 04/05 the latest score was from 02/24 for me.

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I went to check mine and it's from 2/24 as well. I chatted and they said it was a known issue. I asked how often it SHOULD update and she didn't know. I have a TY (preferred?) and Diamond Preferred. They both have it. 

I actually didn't see it at first. Your personal score is embedded in a page that looks like generic info talking about the feature and credit scores in general. I had to scroll around a few times to realize 'oh, that's my score...it's just old'. It doesn't jump out at you the way Discover's does. 

[lhcole77]

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@Anonymous wrote:

Its the Bankcard 8 model. Goes up to 900. Not a true FAKO, but not one of the standard Experien FICOs either. Take it with a [gigantic] grain of salt. 

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What do you mean this is not the "standard Experian FICOs"?

[Anonymous]

Standard goes from 300-850. The only time I've seen this model is on paperwork from Chase and they list it as an *acquisition risk score*. But its only been listed on denial letters not any approval letters so idk what thats about. If you pull your FICOS directly from here the standard model is FICO 08.

[Ghoshida]

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@Anonymous wrote:

Its the Bankcard 8 model. Goes up to 900. Not a true FAKO, but not one of the standard Experien FICOs either. Take it with a [gigantic] grain of salt. 

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As long as the score is generated using a FICO model, it is a FICO score, 100% genuine. 

The scores you get from this site are one of the multiple dozens of scores that FICO itself sells to CRAs, lenders, etc. 

Even if you buy a score here and it says EX 750 and you app immediately for some credit, the lender may pull EX and get a completely different score, simply because they're using a different FICO model. 

Knowing your score here is 750 doesn't do you any better in that case, except from giving you a guideline about where you stand vis-a-vis the general population. Depending on whether it's bankcard enhanced or auto-enhanced (or who knows, what enhanced), you might be either better off or worse off (or the same) than the 750 equivalent.

TLDR it's a genuine FICO. 

[Anonymous]

That may be true but I have yet to see any lender except Chase send me a letter with a FICO model other than whats listed on my reports from here so while this may be a *true FICO* I don't think calling FICO 08 standard is a stretch since it seems to be used most often by various lenders for credit card approval purposes.

Chase (approvals), Amex, Discover, Citi (denial but still 08 model), Barclay = FICO 08.

[Anonymous]

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@Ghoshida wrote:

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@Anonymous wrote:

Its the Bankcard 8 model. Goes up to 900. Not a true FAKO, but not one of the standard Experien FICOs either. Take it with a [gigantic] grain of salt. 

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As long as the score is generated using a FICO model, it is a FICO score, 100% genuine. 

The scores you get from this site are one of the multiple dozens of scores that FICO itself sells to CRAs, lenders, etc. 

Even if you buy a score here and it says EX 750 and you app immediately for some credit, the lender may pull EX and get a completely different score, simply because they're using a different FICO model. 

Knowing your score here is 750 doesn't do you any better in that case, except from giving you a guideline about where you stand vis-a-vis the general population. Depending on whether it's bankcard enhanced or auto-enhanced (or who knows, what enhanced), you might be either better off or worse off (or the same) than the 750 equivalent.

TLDR it's a genuine FICO. 

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Generally, when someone refers to a FICO score, they are referring to FICO 8 or, to a lesser extent, FICO 4. To the best of my knowledge, Bankcard 8 isn't used to anywhere near the same extent. Additionally, since Bankcard 8 goes from 250 to 900, rather than the 300 to 850 of FICO 4/8, it is likely that a person's Bankcard 8 is higher than their FICO 4/8. This can lead to people thinking that they have a higher score than they actually will when lenders pull the report.