How accurate are the fico scores that are free from your credit card company.

[Coronita]

So amex started to include fico scores in your online account. One thing I noticed is the scoring system seems to be different from the ones that traditionally obtained from the 3 credit bureaus when you apply for credit. For example, the one that comes from those companies have a maximum of 850. The one from amex has a max of 850. The one from citibank is on a scale of 900. So what is the difference?

[livinincali]

Citibank might be using a different scoring system. There are quite of few of them out there.

For example a google search yielded this

[quote]
The Credit Score Range Using Various Scoring Models:
FICO Score range: 300-850.
VantageScore 3.0 range: 300–850.
VantageScore scale (versions 1.0 and 2.0): 501–990.
PLUS Score: 330-830.
TransRisk Score: 100-900.
Equifax Credit Score: 280–850
[/quote]

[joec]

The fine print should show which reporting agency the number is from…I see this FICO Score now on all our credit cards. It’s nice to get it for free.

[Hatfield]

[quote=joec]The fine print should show which reporting agency the number is from…I see this FICO Score now on all our credit cards. It’s nice to get it for free.[/quote]

Where do you see these scores? I don’t see them on my Citibank or Capital One statements.

[moneymaker]

I get it from Discover and I think it is pretty accurate. Just asked them for a limit bump and felt insulted when they came back with a $500 dollar bump, oh well whatever! I guess I can see if there is a measurable difference next month as that is the only card I have a balance on.
Just checked Amex and they are giving me 1 point higher than Discover, maybe that is from the $500 limit bump.

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