Which EQ Score does Citi Provide?

[uncredited]

Along with my first statement, Citi now shows my EQ score.... But what they show, supposedly as of 4/28 is radically lower than what Disco shows for TU and myFico shows for all 3.

I haven't updated my mf report yet, I'm waiting until the new statement reports and the first payment reports to generate the full report for the month, (and even disco payment which hasn't reported yet) but the scores update in real time with alerts for fico8.

Disco TU has me at 730.

Mf shows EQ at 724 (the lowest of the 3) and actually shows it just went up 3 points 3 days ago for no stated reason or change (will go down when Citi statement reports I'm sure)  Those scores include the inq and new account drops from 770ish.

Citis provided score shows me having dropped to 690 as of 4/28.

My only guess it's it's the eq 4,5,6 mortgage which was strangely lower than everyone else at 719 before I applied for the Citi.

Hurts to see a 690. Even though I know that can't be the current fico8.  Maybe when the util jumps from 1 to 7%, and 2/2 cards reporting (6 whole dollars on disco so I didn't drop to all zero before Citi cut the first statement.) It will drop by I can't imagine 724 to 690 for 1% to 7% util. Plus the date they show predates that util showing.

[Credit12Fico]

Fico Bankcard 8.  Not to be confused with Fico 8.

[uncredited]

Thanks. That's scary, it was 749 before the new account, and eq didn't even have an inquiry. Almost a 60 point drop for just a new account while fico 8 only dropped 41 points and already increased a few.

(Thin young file, but, still ...)

[FireMedic1]

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@uncredited wrote:

Thanks. That's scary, it was 749 before the new account, and eq didn't even have an inquiry. Almost a 60 point drop for just a new account while fico 8 only dropped 41 points and already increased a few.

(Thin young file, but, still ...)

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@uncredited There ya go. It becomes less of a hit as your file grows and ages. Been there done that. Its depressing yes. Just part of building a file. After a while. Its only a few points. You'll get there. The price re/builders have to pay.

[uncredited]

Thanks.   Yeah, I was never happy with the big hits to begin with, but had acclimated to the 41 point drop on the 8's down to 724+.  Seeing that 59 point drop into the 600's though, that's a new one.  Especially since it's so far from the rest of the scoring even from EQ.  I'm getting impatient for the new statement to report, so I can pay and get impatient for the payment to report, so I can pull my pending MF report update and see the damage across the versions. 

[Suzette2]

I know it's a marathon....but....it hurts (waving hand here: auto loan drop seems to happen daily after payoff before new one is reported)

[uncredited]

The possible good news, is Citi updated EX today for the statement, and MF shows only a 2 point drop on the FICO8 for what went from util 3% on one account present, to 7% (15% on one account) with 2 out of 2 accounts reporting non-zero.

That doesn't help the dismal EQ Bankcard8 score, which I don't know how long that will take to recover, and I don't know where EQ and TU will land when updated until I pull the new mf report in a week or two, but the trivial change for a util increase and all-non-zero reporting on EX may indicate the freefall has stopped.

UPDATE: TU FICO8 +6 with the changes. (wow)

Another update: EQ FICO8 now updated, -3, still 721 so still within range for the new account.  No hard drop unexpectedly, it's just the Bankcard8 (and maybe other versions) that are low.  This veers toward the FICO scoring topic, but, while I haven't seen the other 2 FICO Bankcard8's yet, does anyone know what would make Bankcard8 score 30+ points lower than the main FICO8 for the same bureau? Seems to be a pretty big difference between their own scores, with otherwise very little data to cause differentiation in scores to that degree.

[FinStar]

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@uncredited wrote:

This veers toward the FICO scoring topic, but, while I haven't seen the other 2 FICO Bankcard8's yet, does anyone know what would make Bankcard8 score 30+ points lower than the main FICO8 for the same bureau? Seems to be a pretty big difference between their own scores, with otherwise very little data to cause differentiation in scores to that degree.

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Different elements and metrics are weighed into the various FICO versions. The scoring ranges are as follows:

FICO Classic 8, Classic 9, Classic 5, 4, 2, and 3 are 300-850.

FICO Bankcard 8, Bankcard 9, and Bankcard 5, 4, 2 are 250-900.