Citi Bank and Free Fico Score

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6 posts
Grupet
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Citi Bank and Free Fico Score

Postby Grupet » Mon Jan 26, 2015 7:56 am

Hi,

I have a Citi Diamond Preferred Card and got this email a couple of days ago.
Did anybody else get that as well? Is it legit or is it a scam?

Image
American Express Platinum
HSBC Platinum Master Card
Citi Diamond Preferred Master Card


takeshi
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Postby takeshi » Mon Jan 26, 2015 9:08 am

FICO is FICO. That said, there are many FICO models used by creditors so it's important to understand which scoring model the score is based on. Why would you suspect it as a scam? You can always call Citi to verify.

See also:
http://creditcardforum.com/general-credit-card-talk/11327-citi-free-equifax-fico-available.html

thom02099
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Postby thom02099 » Mon Jan 26, 2015 10:20 am

No, it's not a scam. It's been all over the financial news reports/outlets that more and more banks are offering free FICO scores. Heavily promoted in adverts as well, such as the email you received. I received the same one, but was already aware of the offering. Discover started the trend in 2013, CITI is play the "me too" game. They are offering Equifax, which is somewhat unique, since others are offering Transunion or Experian.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

samhradh
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Postby samhradh » Mon Jan 26, 2015 11:00 am

I also got the email for my Citi Forward. I like that Citi is using EQ because it shows the huge difference between bureaus. My TU and EQ scores are very different.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

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nismoZtuner
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Postby nismoZtuner » Mon Jan 26, 2015 2:56 pm

i`m looking at that pie chart and curious how much my credit score will jump.. i finally paid most of my CSP from $4k down to $400 this month. been with a balance for about 4-5 months now.. i know i know that dam interest
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

Battery111
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Postby Battery111 » Mon Jan 26, 2015 8:12 pm

nismoZtuner wrote:i`m looking at that pie chart and curious how much my credit score will jump.. i finally paid most of my CSP from $4k down to $400 this month. been with a balance for about 4-5 months now.. i know i know that dam interest


Hey. Happens to the best of us. What counts is that you aggressively paid it off.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa



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