Just because Citi provides the FICO 08 Equifax Bankcard score to customers does not mean that that is what they solely use for credit decisions, including credit cards.
If that was the case then they would not also pull other bureaus like Experian.
What credit score does Citi use?
We analyzed 211 consumer-reported credit inquiries over the last two years and found that in most cases, Experian is the most commonly used U.S. credit bureau by Citi. Note: Citibank is a retail banking division of Citi, which is the division that focuses on credit cards and or other non-mortgage consumer loans.
Is Citibank FICO score accurate?
All scores are accurate. However, you cannot use a score generated by one model to determine a score generated by another model. Citi provides an EQ FICO 8 Bankcard which is not the same thing as an EQ FICO 8. You can’t use it to determine a score generated based on another CRA’s data or another scoring model.
What credit score do I need for the Citi double cash card?
And that’s why we recommend applying for Citi Double Cash only if you have a credit score of 700 or higher. Most people think of “good” credit scores as ranging from 660 to 719. But it’s wise to adjust your sights a bit higher when shopping for an elite credit card offer.
Does Citibank do a hard pull?
Citi seems to do both soft and hard pulls, usually if they come back with an instant decision a soft pull has been performed whereas if they require more time a hard pull will be performed.