Which FICO 08 Score Does Citi Provide?

[Anonymous]

According to Citi, my FICO 08 score jumped from 759 to 773! Amazing, considering my AAoA is a little over 12 months. My FICO 08 scores from Barclay, Discover, and American Express is much lower. They are around 742-747.

[Anonymous]

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@Anonymous wrote:

According to Citi, my FICO 08 score jumped from 759 to 773! Amazing considering my AAoA is a little over 12 months. My FICO 08 scores from Barclay, Discover, and American Express is much lower. They are around 742-747.

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They provide the Bankcard Enhanced version of Equifax FICO 08 which will be different than the 'normal' EQ FICO 08

[Anonymous]

That's a bummer. I thought I've passed the 750 range.

[Anonymous]

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@Anonymous wrote:

That's a bummer. I thought I've passed the 750 range.

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Maybe you have but you would have to check elsewhere to find out and don't dismiss the score.  It's an important one to many creditors.

[takeshi74]

You can't just look at the numbers and assume that all scores are equivalent.  You always need to consider the speciific scoring model.  FICO 8 Bankcard is not FICO 8.

[Turbobuick]

Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different? 

[Anonymous]

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@Turbobuick wrote:

Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different? 

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I guess all I have to do is deduct 50 points from my Citi score and then voila! My credit score!

[AverageJoesCredit]

I would love to have your 773 citi score! Out of 900, not bad at all. I cant seem to get mine rising for some reason and i wonder with a lower score if that will effectively kill any shot a sp cli for my DC?

[Anonymous]

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@Anonymous wrote:

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@Turbobuick wrote:

Yeah, new to citi here and after waiting 2 months finally got a score. Then noticed their fico scores go to 900. Why would they do that... just to be different? 

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I guess all I have to do is deduct 50 points from my Citi score and then voila! My credit score!

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Well, slightly more plausible would be to scale it, (multiply by 17/18= 0.9444) but as I assume you know, that's wrong too.   The models weigh things differently so there is no 1:1 correlation,