Citi's internal scoring system 1 to 2500?

[Gmood1]

Never seen this one before. Received a letter today with this scoring system.

I was goofing around with the SPs CLIs. Knowing darn well I'm tapped out with them.😆

The range is 1 to 2500. I'm guessing my 854 isn't good?😂😂😂

Anyone else noticed this?

Is this internal or some new fangled scoring system on the market?

Oh and these jokers are soft pulling TU for this score.

Current score in Citi online portal 816 out 900.

[GApeachy]

Second recent post:

https://ficoforums.myfico.com/t5/Credit-Cards/Citi-Slashed-Credit-Line-What-is-this-score/m-p/603779...

[Gmood1]

Thanks @GApeachy 

I hadn't seen that thread obviously.🤨

Some of those reason codes weren't even close. While some were spot on.

Months since most recent delinquency is too short?😆

Yeah that's not accurate.

There are too many recent increases in balance on revolving accounts? 

Yeah...no actually. Balances are less than half of what they were a few months ago.

[GApeachy]

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@Gmood1 wrote:

Thanks @GApeachy 

I hadn't seen that thread obviously.🤨 

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So I guess this is perhaps Citi's cli scoring system.  I know there are a bazillion scores out there and maybe this is their FOTM or year or Covid-19 duration.  So I requested a first cli 4 months too early, haven't gotten the letter yet but will letcha know what my score is. yikes!

[Anonymous]

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@Gmood1 wrote:

Never seen this one before. Received a letter today with this scoring system.

I was goofing around with the SPs CLIs. Knowing darn well I'm tapped out with them.😆

The range is 1 to 2500. I'm guessing my 854 isn't good?😂😂😂

Anyone else noticed this?

Is this internal or some new fangled scoring system on the market?

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This is very interesting. I thought it might be a new SageStream score, since their current one has a 999 maximum.

In the other thread that GApeachy posted, the OP said:

"...while Citibank says "the consumer agency above provided us with your credit score of 332 as of May 12" and it says scores can range from 1 to 2500..."

That sounds like it's external. Does your letter show a name for the CRA? Or does it just say it's from Citibank?

[Gmood1]

Yes, it states TU @Anonymous 

[Thomas_Thumb]

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@Anonymous wrote:

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@Gmood1 wrote:

Never seen this one before. Received a letter today with this scoring system.

I was goofing around with the SPs CLIs. Knowing darn well I'm tapped out with them.😆

The range is 1 to 2500. I'm guessing my 854 isn't good?😂😂😂

Anyone else noticed this?

Is this internal or some new fangled scoring system on the market?

---

This is very interesting. I thought it might be a new SageStream score, since their current one has a 999 maximum.

In the other thread that GApeachy posted, the OP said:

"...while Citibank says "the consumer agency above provided us with your credit score of 332 as of May 12" and it says scores can range from 1 to 2500..."

That sounds like it's external. Does your letter show a name for the CRA? Or does it just say it's from Citibank?

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I suspect internal models utilize data from CRAs and scores from an external model as components in there decision making process. Some illustrations are provided below.

[Anonymous]

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@Thomas_Thumb wrote:

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I suspect internal models utilize data from CRAs and scores from an external model as components in there decision making process. Some illustrations are provided below.

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So that's the 'Dual Score Matrix'. I found a reference to it in Experian's product sheet for the FICO Resilience Index:

"Some lenders may use FICO Resilience Index in conjunction with the FICO Score, i.e., in a dual score matrix or as an additional decision key. Other lenders may choose to use FICO Resilience Index to generate an adjusted FICO Score — with adjustment factors tuned to the lender’s view of macroeconomic forecasts."

I thought they had to tell us the exact score model used in the AA letter, but apparently not. I can't find anything through Google on a TU score model with a range of 1-2500, so an internal 'dual score matrix' seems likely.

[Anonymous]

While a lot of people knew that Banks do have an internal scoring system, it's going to get rather complicated if more of them start spouting that score in contrast to what we're seeing from Fico, or even their score tracking numbers. It's one thing if they want to utilize it for their own purposes, but quite different when you furnish it to consumers who only know about one scoring method.

Like I've said before I think the scoring process needs to be less complicated. And honestly I don't know why they need a different internal scoring, there are certainly any number of reasons to say no despite a person having an 850 Fico. We've already seen plenty of denials for high scoring profiles that listed any reason under the sun.

[firefox100]

Ok last nomth ask for cli on Double cash back mastercard got the letter said soft pull from TU , reasons, did not score high enough on our internal model, to many inquiries , balances to high on to many accounts. This is totaly wrong Tu shows 2 inquires in the last 2 years Only 2 cards showing any balance lesless then 1,100 dollars. My fico scores are over 800, I think Citi is just cutting back on how much credit they are will to lend at this time. The credit line was 15.6K This was first time that Citi denied credit increase to me in the 5 years.