Citi FICO scoring?

[jdbkiang]

So Citi sent me an email today saying my FICO is available on their website. Went and checked and they said it was an Equifax FICO 8 score, but the range was from 250-900. Is this trustworthy?

[Anonymous]

It's FICO Bankcard 8, not FICO 8.

[jdbkiang]

Ahh, good catch. So how useful is this scoring then?

[Anonymous]

It's useful in that some lenders might use the FICO bankcard version, also useful because free EQ FICO 8 is hard to come by so you can use this score to predict changes on your EQ FICO 8.

[SouthJamaica]

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@jdbkiang wrote:

So Citi sent me an email today saying my FICO is available on their website. Went and checked and they said it was an Equifax FICO 8 score, but the range was from 250-900. Is this trustworthy?

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Yes it's trustworthy. As others point out it's the EQ Bankcard 8, not the EQ Classic 8.

[jdbkiang]

So would this be closer to the EQ Classic than the Vantage Equifax score on CK?

[iv]

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@jdbkiang wrote:
So would this be closer to the EQ Classic than the Vantage Equifax score on CK?

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No. All three (EQ 8, EQ 8 Bankcard, and EQ VS3.0) are different score models.

"Closer" is not a meaningful term in this case. You can't use any one of these three scores to estimate any of the others with any reasonable accuracy. They are different. Different weighting, different min/max scales, different reason codes...

[FireMedic1]

My profile its higher than my FICO 8. I'm 750 FICO 8, 761 FICO Bankcard 8. Guess FICO looks at credit cards in a different light. Someone here may know the protocol.

[Revelate]

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@FireMedic1 wrote:

My profile its higher than my FICO 8. I'm 750 FICO 8, 761 FICO Bankcard 8. Guess FICO looks at credit cards in a different light. Someone here may know the protocol.

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I don't think anyone has sufficient data to really diagnose the Bankcard industry options.  

We got a few things on AU long ago over in the Auto Loans forums when a few F&I guys stopped by and gave some analysis of all the reports they'd seen and resulting scores but it's all anecdotal without any real testing behind it.

Generally speaking iv is correct, they are different; however, what's generally good for Classic scores are also good for the industry options like Bankcard and Auto too.  Vantage that's not always the case.

[Anonymous]

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@FireMedic1My profile its higher than my FICO 8. I'm 750 FICO 8, 761 FICO Bankcard 8. Guess FICO looks at credit cards in a different light. Someone here may know the protocol.

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I believe the reason here is likely due to the 900 score cap on BCE 8 verses the 850 cap on Classic 8.  From what I've seen, most people report their BCE 8 score as being higher than their Classic 8 score (both using EQ data of course).  My BCE 8 is currently 875 compared to 847 on Classic 8, so a 28 point variance.