difference between actual FICO and the score Citi ... - myFICO® Forums

itsxluigi · ‎08-01-2019

I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?

calyx · ‎08-01-2019

@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?

It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO

itsxluigi · ‎08-01-2019

@calyx wrote:
@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?
It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.

Ah, okay. I'll have to look into the BankCard8 model and read up on it a bit. Is it safe to use that number when looking for my Equifax score? Or does it vary enough that I should look for a different card/method of getting my EQ FICO8?

LakeLife · ‎08-01-2019

@itsxluigi wrote:
@calyx wrote:
@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?
It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.
Ah, okay. I'll have to look into the BankCard8 model and read up on it a bit. Is it safe to use that number when looking for my Equifax score? Or does it vary enough that I should look for a different card/method of getting my EQ FICO8?

Not sure what you mean by "safe", but as said previously it's based on the Bankcard algorithym and a legitimate FICO score that ranges from 0 to 900. I use that score to keep track of my Equifax score, because it's free. I don't see the need to pay for the FICO 8 when I have access to the BC score.

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Discover FICO® Score 8 based on TransUnion® data

Citi FICO® Bankcard Score 8 based on Equifax® data

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itsxluigi · ‎08-01-2019

@LakeLife wrote:
@itsxluigi wrote:
@calyx wrote:
@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?
It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.
Ah, okay. I'll have to look into the BankCard8 model and read up on it a bit. Is it safe to use that number when looking for my Equifax score? Or does it vary enough that I should look for a different card/method of getting my EQ FICO8?
Not sure what you mean by "safe", but as said previously it's based on the Bankcard algorithym and a legitimate FICO score that ranges from 0 to 900. I use that score to keep track of my Equifax score, because it's free. I don't see the need to pay for the FICO 8 when I have access to the BC score.

"Safe" may have been the wrong word. But I know when someone asks "whats your credit score" and you say "oh well credit karma says my transunion is.....", people will say "yeah it doesn't matter what credit karma says". Just wondering how "accurate" of a model BankCard8 would be when it comes to what a mortgage/credit card/loan company would see when they pull your score.

calyx · ‎08-01-2019

@itsxluigi wrote:
@LakeLife wrote:
@itsxluigi wrote:
@calyx wrote:
@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?
It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.
Ah, okay. I'll have to look into the BankCard8 model and read up on it a bit. Is it safe to use that number when looking for my Equifax score? Or does it vary enough that I should look for a different card/method of getting my EQ FICO8?
Not sure what you mean by "safe", but as said previously it's based on the Bankcard algorithym and a legitimate FICO score that ranges from 0 to 900. I use that score to keep track of my Equifax score, because it's free. I don't see the need to pay for the FICO 8 when I have access to the BC score.
"Safe" may have been the wrong word. But I know when someone asks "whats your credit score" and you say "oh well credit karma says my transunion is.....", people will say "yeah it doesn't matter what credit karma says". Just wondering how "accurate" of a model BankCard8 would be when it comes to what a mortgage/credit card/loan company would see when they pull your score.

You would definitely want to mention that it's the BC8 to another MyFICOer, since we (generally) know the difference.
The BC score seems to be more sensitive to new accounts for me (it's about 20pts lower than my EQ FICO8)

As for mortgages - they use different scoring algorithms as well.

Basically, what you want to find out is WHAT score/algorithm/CRA the lending institution you're interested in uses and go from there.

For instance, my CU (where I get my loans from) uses an algorithm I can't purchase anywhere, so there's no way for me to guess what they'll see until I ask, but I do know that they always use EQ, so I know I need that bureaus info to look the best.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO

Anonymous · ‎08-01-2019

@LakeLife wrote:
Not sure what you mean by "safe", but as said previously it's based on the Bankcard algorithym and a legitimate FICO score that ranges from 0 to 900.

The score range of EQ BCE8 is 250-900.

Anonymous · ‎08-01-2019

@calyx wrote:

The BC score seems to be more sensitive to new accounts for me (it's about 20pts lower than my EQ FICO8)

Also due to the higher top end of BCE 8 relative to Classic 8, if you're talking clean/thick/aged files that are at or near the top end of the scoring spectrum, chances are BCE 8 will be the higher score. For example, when my EQ Classic 8 is at 850, my BCE8 lands in the 880-890 range, generally speaking.

Anonymous · ‎08-01-2019

Calyx Which algorithm is that it’s not available anywhere?

SouthJamaica · ‎08-01-2019

@itsxluigi wrote:
@calyx wrote:
@itsxluigi wrote:
I never noticed before. I assumed the DC gave you a FICO score, but when I was actually looking at it today I realized the graph they show me goes up to 900? Is the DC score more of a FAKO model?
It is a FICO, just not the FICO8 that we usually think about.
It's a FICO BankCard8 - a slightly different algorithm.
Ah, okay. I'll have to look into the BankCard8 model and read up on it a bit. Is it safe to use that number when looking for my Equifax score? Or does it vary enough that I should look for a different card/method of getting my EQ FICO8?

I have found my EQ Classic 8 and my EQ Bankcard 8 to be pretty close.