Citi/slate/b of a, only b of a gives real score?

[Anonymous]

So is it true that citi and slate give more educational scores whereas b of a gives the actual TransUnion 08 score?

Also a side note, didn't want to create a whole new thread I work at a credit union that uses fico 04 , and a guy had score above 850, thread says 850 is highest? Maybe it goes to 900?

[CreditDunce]

Citi - EQ-08 Bank Enhanced

Amex, Chase Slate - EX-08

Barclay, BoA, Discover and Wally - TU-08

Citi actually uses the FICO score they show you.   Just like BoA uses TU-08.  There isn't one true FICO score.    Cap1 and US Bank are examples of banks that provide educational scores.

Your CU is probably using FICO 04 Bank Enhanced scores.  Although, it is also possible you saw a FICO 04 Auto enhanced score.  The enhanced scores have a range of 250-900.

[Anonymous]

Can you give me a link to more info about the bank enhanced? Don't see it on the many flavors of fico thread, and only info about bankcard enhanced used only for credit cards, and auto enhanced used for auto loans. ?

Thank you for score info! Looks like slate and b of a has tops of 850 rather than citi 900? Good to know!

[CreditDunce]

I am not sure if the sticky goes into much detail about the enhanced FICO versions. 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

IIRC, The sticky on score differences talks more about the enhanced models:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Difference-in-Scores/td-p/2384297

My goto chart showing the different score ranges is in an old thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...

The enhanced scores are supposed to more accurately reflect the risk for particular credit products.  A bank or credit union is free to use any of the possible scores FICO or other reporting agencies sell.  IMO the main purpose of the enhanced scores was to encourage banks to buy more FICO scores.