[SOLVED] Citi Provide EX Score That Ranged from 250-900?

[Anonymous]

[TOPIC IS SOLVED]

I received my Citi Bank Double Cash credit card and recieved a piece of paper with an EX score but this score ranges from 250-900 unlike the 300-850.  Any idea what type of FICO score this is?

[CH-7-Mission-Accomplished]

It's the credit card enhanced score.

Have you pulled your reports from myFICO?  They will show you all the different FICO scores you have and the ranges.

[waxingmoon]

Possibly a bankcard enhanced version.

[Anonymous]

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@waxingmoon wrote:

Possibly a bankcard enhanced version.

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@CH-7-Mission-Accomplished wrote:

It's the credit card enhanced score.

Have you pulled your reports from myFICO?  They will show you all the different FICO scores you have and the ranges.

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No, it is the actual score they used from EXP to approve credit cards.

And no, I didn't pull from FICO; it's costly and pointless--I'm not applying for anything important.

[Anonymous]

Yes and the score they use for approval seems to be a bankcard enhanced FICO version. Its the same FICO version they provide monthly with EQ.

[Anonymous]

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@Anonymous wrote:
Yes and the score they use for approval seems to be a bankcard enhanced FICO version. Its the same FICO version they provide monthly with EQ.

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So they used their own scoring system to approve me of their credit? Sounds a bit ridiculous. Otherwise, I'm not understanding what "enchanced FICO version" means. It's the bank's own form of FICO credit scores?

[Anonymous]

There are half a dozen or more FICO versions available. This is the one Citi seems to use. Chase sometimes uses what they call an acquisition score that goes to 900. It can vary. Not all lenders stick to FICO 08.

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

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@Anonymous wrote:
Yes and the score they use for approval seems to be a bankcard enhanced FICO version. Its the same FICO version they provide monthly with EQ.

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So they used their own scoring system to approve me of their credit? Sounds a bit ridiculous. Otherwise, I'm not understanding what "enchanced FICO version" means. It's their own form of FICO credit scores?

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I don't know why you were being so snarky when we were giving you the correct answers.  Not cool, dude

With all three credit bureaus there are classic scores, mortgage scores, credit card enhanced scores and auto enhanced scores.

I suggest you read more and snark less.

[lhcole77]

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@Anonymous wrote:

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@Anonymous wrote:
Yes and the score they use for approval seems to be a bankcard enhanced FICO version. Its the same FICO version they provide monthly with EQ.

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So they used their own scoring system to approve me of their credit? Sounds a bit ridiculous. Otherwise, I'm not understanding what "enchanced FICO version" means. It's their own form of FICO credit scores?

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That's not what was said.

There are bankcard enhanced FICOs. That is what was used. The enhancement is based on credit card experience from reports. There are also auto enhanced scores, based on auto loan/lease experience.

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Yes and the score they use for approval seems to be a bankcard enhanced FICO version. Its the same FICO version they provide monthly with EQ.

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So they used their own scoring system to approve me of their credit? Sounds a bit ridiculous. Otherwise, I'm not understanding what "enchanced FICO version" means. It's their own form of FICO credit scores?

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I don't know why you were being so snarky when we were giving you the correct answers.  Not cool, dude

With all three credit bureaus there are classic scores, mortgage scores, credit card enhanced scores and auto enhanced scores.

I suggest you read more and snark less.

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I'm just clearly stating I don't know what this "enhanced FICO score" means. There's nothng snarky about it.  I am free to express my opinion that something is ridiculous, either it be a fact or not. Live with that.