Citi FICO Equifax Score question

Hi, probably answered before... but couldn't find it. My Citi Prestige card provides me with a FICO score from Equifax. It is 771. What score is that ? Is it a real FICO score ? They don't state the range like 300-850 or so. Who has more information or a link ? Thanks.

Hi Beck. I believe that most or all Citi cards get it now. My Citi Double Cash gets the free score. But since that is a pure Citibank question, you probably should just call them and they'll tell you. Ammer... As far as how to interpret the BankCard Enhanced version of FICO 8, that's an interesting question. Because that score can in theory get as high as 900, the closer your BCE score is to 851, the higher the probability is that your standard FICO 8 (300-850) will be lower. (If you have a BankCard Enhanced score of 851 it is 100% certain that your standard FICO 8 is lower.) Since your BCE score is 771 a fair guess is that your standard score is not much higher (though it could be). If you sign up for the myFICO monitoring package, you'll get almost every score under the sun, including the BCE and standard score using the EQ data. Even if you don't want to pay for the monitoring service indefinitely, it might be helpful to compare the two scores. Suppose one is 771 and the other is 768. You can't conclude with certainty that your standard score will always be 3 points lower than the BCE score, but that would give you some grounds for believing that the two scores are (in your case) pretty comparable.

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creditstalker wrote:
NormanFH wrote:
creditstalker wrote:
NormanFH wrote:
creditstalker wrote:
Which FICO credit score will the Credit unions pull? Will credit unions pull these scores? Transunion 643 Auto 08 score632 Auto 04 score Equifax633 Auto 08 score604 Auto 05 score Experian637 Auto 08 score674 Auto 02 score Ask them what score they use. It will vary from one to another. Some may not even use the Auto score and just use the standard FICO 8 score or FICO 4 score. I would shop around and try to find one the uses EX Auto 2 score....Thanks Norman, but I would I know if it is the Auto 2 Score,, what would it be equivalent to?Its not "equivalent" to anything - it is what it is.Front line CSR's may not even know what scoring model is used, you may have to call and ask for a credit analyst.Oh okay, I know that some call the FICO 5 score the BEACON 5Ok, I see what you were getting at there - AFAIK, only the Equifax scores are referred to as "Beacon". I have no idea why they get their own *special* name.

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connect4dots wrote:
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Yet another Score Question

At the risk of overloading the usual kindly suspects with score questions, is there a simple method to easily convert an entire arrangement already done in 4/4 time (with 16ths feel) .. to 8ths over a cut time feel with double the number of bars?
Musicians in rehearsal yesterday said they would find it easier to be reading 8th notes over twice as many bars.

Hallo spirit,
First: merge the regions per track (and count the number of bars of that merged region)
Second: Drag the end of the region until the region has the double lentgh while pressing the option key, confirm the dialog: stretch(shorten/lengthen)
Third: you may change the time signature in the time sig editor.
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Sorry so long...I've been slowly but surely building my credit up. I subscribe to USAA's credit monitoring service which goes thru Experian and allows all 3 credit scores every 30 days. Last month, my scores were 680+ on 2 (Equifax and Transunion) and 620 on Experian because of a recent collection. My loan officer pulled my credit and agreed. He said I was good as long as 2 of the bureaus were 680 or above. I disputed the recent collection and it was removed. I pulled my credit score for Experian again and it went to 680. Last night my loan officier sent me the inital loan documents and I saw that my interest rate had increased by .25% and only my Equifax was over 680. My Transunion had dropped to 673 and my Experian still showed 620. I asked him about it today and he said that he pulled my scores 2 days ago and these were the new scores. Neither I nor him could find a reason why my scores went down. I get alerts whenever anything hits my credit and I haven't had any inquires or new lines of credit since I started the loan process. My questions are: 1. Does the mortage company use a different algorithm then credit monitoring services, ie, Experian2. Why would my score change but neither one of us see a difference in my credit report explaining why.

Comments inline. gettinto800 wrote:
Others have more expertise but here's what I've learned as we are going through the mortgage process. Your LO should give you a copy of the credit report he pulled. They pull mortgage scores. On the credit report it will show you what they pulled. Most LO use a credit pulling firm to pull. It will say like FICO-II TU CLASSIC 04 BEACON 5 etc. A) Be careful with your LO doing too many hard pulls. This alone can hurt your credit. When he pulled the credit report and the numbers/your score was good -- why wouldn't he just use that? I don't understand that. A credit pull by a lender is good for 90 days. To pull again 2 days later doesn't make sense. Even if it was just a "soft pull" on there part or an "update" pull to your score. Others can comment on this but to me it seems strange to pull 2 days later. Unless it was a "rapid rescore," maybe? Which is hit and miss from what I've read. Not sure why they did a double-tap, but doesn't matter: grace period of 30 days if the mortgage inquiries are properly coded (all mine were from 3 different lenders) and there's a 14-45 day rollup period where it will only count as a single scorable inquiry. B) If your score changes and you don't know why -- it could be the inquiry it could be a mystery! This is what is so hard, I'm finding, in doing the mortgage process. They use different scores and it's very hard to get an accurate picture of what's going on. I've had no luck with MyFico alerts. It will claim more score jumps 7 points because of an address change. Really? (It was a typo that somehow got on there, I have no idea, I never changed my address). You would have to pull your reports (which is a soft pull and doesn't impact you) and analyze it and compare it to the previous one to figure it out and you still might not know. You're right on both counts that take the alerts with a grain of salt, the scores are different; however, FICO isn't capricious, if you have access to the base data it can be figured out virtually every time. Something changed to account for a 7 point difference, might be small and hard to spot (age of tradelines or what not) or something obvious like a balance change. That said, to me, 673 vs 680 doesn't seem like that much. I don't know if that should equal a .25% rate change. Maybe, I don't know enough about that. Maybe you're in a different tier then. Not sure. That said, if you look at your UTI and stuff hopefully you could get it back up there. 680 is a Tier for virtually every mortgage lender on the planet. Certainly is for conventional and I think FHA loans too though I don't know those as well. To us as consumers, a 7 point swing is whatever, except when we're in the mortgage process and playing on a tier boundary without a gold-plated score to begin with... then it matters a great deal. Big enough that if it were me I'd be scrutenizing my reports, and if it were fixable I'd do so and have them pull again.

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IllinoisNative wrote:
I have one more payment due on my auto loan (YAY!) which I'll pay off in August. Does paying off an auto loan affect my auto FICO score? My FICO has my auto enhanced FICO scores at over 700. Will that drop with a paid off loan? Or does that number stay high since I have a good history with my auto loan? Currently, it's my only installment loan on my report so I'm expecting to take a hit for my credit mix. Thanks.It is well known that there is a possibiltiy, is some instances a high one, that once an installment loan is fully paid off it can negatively affect your score, esp. if you have no other installment loans. As an example: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Paying-off-my-car-loan-ruined-my-credit-Score-dropped-70-points/td-p/2235271 If you do a google search of myFICO.com you will see many instances of this.

Score Question: how do you shift a beat post mapping?

Suppose you have already beat mapped a piece of audio (playing in midi track and 'analysing' as per the Beat Map feature) and logic's metronome now corresponds to your map ( with all the little funny weird tempo changes and fractions in the tempo window)..
Problem: there is a subtle ralentando you missed when playing in the tempo map - this now makes a phrase late .. ie a few notes play later in the score than where your ear tells you they are relative to the audio. But the rest of the score is fine.
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Adam

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The bar looks like this to begin:
!! 1 + 2 + 3 + 4 + !! [ where !! represents a bar line]
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!! 1+ 23 4+ !!
But what is needed is this:
!! 1 + 2 + 3 + 4 + !!
ie how can you expand one bar GLOBALLY pushing all the bars that follow it along without messing up all the relative values?
Although by now I could have re-mapped the whole song, I just wonder if there is in the interest of human scientific progress a solution for future quick adjustment.
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FICO 8 Score + 11 pts Will FICO 5 go up too?

My Equifax Fico 8 went up 11 points yesterday, will my Equifax Fico 5 go up as well? If so, how soon. Need it for mortgage. thank you!

Korcupj wrote:
My Equifax Fico 8 went up 11 points yesterday, will my Equifax Fico 5 go up as well? If so, how soon. Need it for mortgage. thank you!No way of telling. They always don't have the same increases and decreases as each other because they are scored differently.

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Hey I have a quick question. I have nothing on my trans report except a few inquiries and a medical collection for 1697.. I was approved for a cap one secured and I have been using it and plan to keep it under 30 percent utilization I was also approved for a secured discover both limits are 200. Neither has reported yet and won't until next month I believe. My question is can anyone give me a rough estimate on how long it will take if I keep my util low and make my payments on time for my trans score to get to atleast 680 it's at 524 now?

Paola wrote:
Hey I have a quick question. I have nothing on my trans report except a few inquiries and a medical collection for 1697.. I was approved for a cap one secured and I have been using it and plan to keep it under 30 percent utilization I was also approved for a secured discover both limits are 200. Neither has reported yet and won't until next month I believe. My question is can anyone give me a rough estimate on how long it will take if I keep my util low and make my payments on time for my trans score to get to atleast 680 it's at 524 now?Impossible to say. Depending on your overall history, it could take 6 months or it could take two years.

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My scores just aren't budging... I have 7 baddies (just paid 5 of them off yesterday... 4 are PFD and one is a settlement w/ zero balance)That will leave 2 baddies left totalling $15k that fall off in December of this year. I also have $80k in tax leins from a failed business ranging from 2009-2012.... Can my score get any higher than 620 with 2 baddies and these tax leins... I'm wanting to get to prime cards badly... just wondering if the tax leins will forever hurt me until they are gone. I have 2 auto loans (reporting perfectly for 6-12 months) and $14k in revolving lines with 20-30% UTIL.

dallasareaguy wrote:
NormanFH wrote:
dallasareaguy wrote:
I essentially want to know if its possible to get a 660-670 score with 2 collections outstanding from 2008 and with the 5 federal tax lein public records. Other than the reporting of them, they dont show delinquent because i have payment plans with the IRS.Is it possible? Yes. However, the path for you to get there is unclear with out knowing ALL of your details on derogs and current credit lines. So far you've provided little in the way of details, just some summaries.Sorry Norman, I didn't think specifics were needed, but I understand now what you are saying. Here is everything: Negative Accounts/Collections:Aargon - $544 - (PFD Earlier This week - Waiting to report)Ad Astra - $0 - (PIF - $0 - Now Reporting PIF)Commonwealth - $896 - (Settled This Week - Waiting to Report)Jefferson Cap - $1,567 - (PFD Earlier This Week - Waiting to report)Portfolio Rec - $511 - (Settled This Week - Waiting to Report)Green Tree - $34,817 - (This was just readded to my credit two months ago. ARGH! Was a Installment Home Equity and they changed to revolving GRRR!)Cavalry Portfolio - $9,708 - Shows falling off credit report in December/January. (Very old, from 2008/2009)Cavalry Portfolio - $6,737 - Shows falling off credit report in December/January. (Very old, from 2008/2009) Positive Trade Lines:Auto Loan - $19k of $25k - 10 Months old - no lates, good standingAuto Loan - $ 24k of $25k - 4 Months old - no lates, good standingInstallment Loan - $3k of $3.3k - 3 Months old - no lates, good standing Revolving Lines:CapOne: $380 of $1500 (25%)CapOne: $387 of $2250 (17%)CapOne: $541 of $500 (AU - 108% - Bleh!) - Get taken off this account ASAP.Comenity: $120 of $250 (48%)Comenity: $155 of $250 (62%)Comenity: $546 of $1150 (47%)Comenity: $95 of $1050 (9%)Comenity: $0 of $1150 (0%)CreditOne: $4 of $600 (1%)Fingerhut: $179 of $800 (22%)Synchrony: $0 of $1000 (0%)Synchrony: $1 of $200 (1%)Synchrony: $2 of $200 (1%)Synchrony: $593 of $900 (66%)Kay: $0 of $400 (0%)Kohls: $79 of $300 (26%)MidCon: $137 of $500 (27%)MidCon: $125 of $500 (25%)-----------------------------------------------TOTAL: $3344 of $13500 (25% UTIL) NOTES: Just knocked off 5 accounts this week that were derogatory/collections. My goal for the next 60 days is to have the remaining revolving debt zero'd out on all cards except one or two and have them both be below 9%. You can tell me if thats sound advice? Yes, too many cards showing a balance (even tiny balances) can hurt your scores signifigantly. Paying off all but one or two should get you in near max FICO scoring territory for the UTI portion of your score. One other issue I see is that you have way too many store cards in relation to your bank cards. Consider closing some of them and opening some bank cards after you get your UTI settled. Tax Leins - All From 2009-2012 Opened Dates: $80k (Listed as Public Records)

Score Question: Fonts

Can any of you Logic Score gurus recommend any third party fonts? I have been recommended a font called SwingText Extended and SwingCord which apparently look great for jazz, but I have no clue as to where to get hold of them. They are not Mac fonts as I far as I can tell.
Cheers
Adam
Powerbook 5,8 Mac OS X (10.4.8) G4 Powerbook

Hallo Adam,
have a look at these links.
Sonata(Adobe), Jazzfont, Swingfont.
http://www.jazzfont.com
http://www.music-notation.info
http://www.linotype.com/8034/sonataregular-font.html
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