@Anonymous wrote:Citi provides a Equifax FICO 08? I always thought Citi provided a different Equifax score, maybe bankcard or something? That's good to know. It seems a million places offer a TU FICO 08 or EX FICO 08 but I've yet to find one that gives a free Equifax FICO 08.
It's EQ FICO 8 Bankcard industry option at Citi. Not the classic score unfortunately.
I'm actually more surprised we don't get more BC scores from lenders under FICO Open Access... doesn't look like the BC industry option really has made that much in terms of inroads; admittedly Citi is a big credit card issuer, but the rest of the scores from the major CC issuers are classic / no industry option variety.
@Anonymous wrote:I'm surprised that there aren't more EQ scores out there. Seems like the majority are TU and EX from what I've seen anyway.
Anecdotally EQ appeared to be the least reliable bureau in terms of tradeline data (things staying on too long, things wandering away early) and my report wasn't an isolated case on that just from the small population which frequented this forum. That may be why they're such a PITA to deal with for EE as an aside.
I suspect the lenders may have seen something similar as for a fact the major ones have direct comparisons, so they likely picked either the best or the cheapest for their monitoring of users, and possibly both were EX in that regard. If anything I'm more surprised on the plethora of TU scores, but they were providing scores even before FICO Open Access if I remember correctly as a stand alone product so it could've been just first mover advantage.
EX seems to be making up for lost time on that front being the first bureau to offer a free FICO score directly to subscribers.
