Battery111 wrote:Appreciate the heads up. Looks like I have this for my AAdvantage card as well.
Thanks for confirming the AA cards having FICO. Rumors said it would be available only in non-cobranded cards, and apparently this is not true now.
I have even heard some Prestige user saying he didn't have the score. Anyone could confirm this?
websteth wrote:So I went and looked at my one from Citi and it says 841, Discover and Barclays say 801. Which one is right?
For just two scores, there is no definite who's right/wrong or accurate/inaccurate. As above said, scores are calculated on the bureau data used as well as scoring model used, and that are mostly the reasons of discrepancies. If something is "wrong", then it should be the report which was used to calculate score contains incorrect/inaccurate data.
flan wrote:All of them. As noted, it's different data sources, and probably different times. Citi is also giving something other than the normal fico score, a card enhance score I believe, which has a different range. so it's not surprising it would be different.
A FICO score FAQ brochure that's provided by Citi says:
The classic FICOÂ® Score which is in use today by the vast majority of lenders fall within the 300-850 score range... Industry-specific FICOÂ® Scores, such as those for auto lending or credit card lending, were developed to accommodate the unique characteristics of their respective industry and range from 250-900.
I'm not really familiar with each model, and tend to mess them up pretty quickly.
At least Discover provides a 300-850 range, which looks "classic", while Citi gives a 250-900 "industry specific" score, according to the brochure. However, Discover seems to use the "classic" one in credit card underwriting.