@Anonymous wrote:
My EQ Bankcard score through Citi generally runs roughly 15-20 points higher than my EQ Classic 8 score. Sort of to be expected, I guess, as the Bankcard model caps at 900 instead of 850.
Is your EQ Classic score in the 800s? If so, then it is as you say to be expected that your BE score would be 15-20 points higher.
Contributor Thomas Thumb did some research on the two scores (Classic vs. BE) and determined (using percentile data published by FICO, I believe) that the two scores tend to track pretty closely in the 680-780 range. (Any particular person might be an outlier, of course -- e.g. a BE score of 770 and a Classic of 740 -- but that appears to be rare.) After the Classic gets in the vicinity of 780 the two scores begin to separate more and more, until eventually you have a 50 point separation at the end.
I remember being really interested in that because I wanted to know with some confidence that when my Citi score was 800 I coud still be confident that my EQ Clasic score would still likely be at least 780 (enough for best rates).
I don't have the regular confirmation of that fact that you do, because you have a bunch of CCT pulls going back over a year, but the two myFICO Ultimate pulls I have done show that when my Classic is around 830, my BE is just under 850. My assume that 19 point difference would go down gradually as my Classic approached 770.
