FICO® Score Educational Videos
See what your FICO® Score means, why it matters, how it's
determined and more.
FICO® Scores: What You Need to Know
Score Deciding Factors
35% payment history, 30% amount you owe, 15% length of credit history, 10% new credit opened, 10% type of credit.
What Your Score Means to Lenders
- 800 – 900 EXCEPTIONAL
- 740 – 799 VERY GOOD
- 670 – 739 GOOD
- 580 – 669 FAIR
- 250 – 579 RISKY
We think it’s important to provide our cardmembers with free access to information that will help them understand and stay on top of their credit status. That’s why we’re providing you with your FICO® Score and information to help you understand it.
Citi partners with FICO and Equifax, one of the major credit reporting agencies, to be able to provide you with your FICO® Score.
Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account. This model has a FICO® Score range from 250 through 900.
The FICO® Score Citi provides is based on information from your Equifax credit report based on the “as of” date included with your score. This may differ from scores you obtain elsewhere that may have been calculated at a different time using information from a different credit bureau or even a different score model. If you have additional questions regarding the FICO® Score model and how it’s calculated, please refer to the FICO® Score FAQ and Understanding FICO® Scores links under the “Useful Links” section below.
Your FICO® Score and Key Factors were provided to Citi as they correspond to information within your Equifax credit report based on the calculation date (i.e., “as of” date). If you feel this information is inaccurate, you can request a free annual credit report from Equifax at www.annualcreditreport.com. If you have additional questions after reviewing, please contact Equifax at the number provided within your credit report. You’ll be able to speak with a representative for additional help. Be sure to have the Reference Number included with your credit report when speaking with Equifax.
Your score won’t be available if:
- You’re an authorized user on someone else’s account
- You have a joint account
- The billing statement is not in your name
- You recently opened a new account
- Your card currently does not offer this benefit
- Your credit card account is no longer active
FICO® Scores are just one component Citi uses for lending and credit decisions. However, since we do have the score we want to make it available to you so you’re informed about your credit status and understand what factors impact your score.
Score assessments from Citi are considered a soft inquiry to the credit bureau and have no impact on your overall credit score.
There are various scores available in the marketplace. The FICO® Score Citi delivers to cardmembers ranges from 250-900.
Sometimes it takes up to two months to update your cardmember information with your FICO® Score. If you're a new cardmember and are not seeing your FICO® Score just yet, please check back in a few weeks to see if it’s available.
You can access your score by signing into Citi Online and clicking through to the Card Benefits tab and selecting the FICO® Score link.
If you want to understand what’s in your credit report, you can request your free annual credit report from www.annualcreditreport.com. You’re able to pull one free credit report each year from each of the credit reporting agencies. After pulling your credit report, if you have any questions, you can call the number provided on your report.
Please click on the Equifax Credit Report Assistance link located in the Useful Links section at the bottom of the page.
Please refer to the guides Fair Isaac Corporation (FICO) has provided to help consumers better understand the FICO® Score. Links to these documents are found under the “Useful Links” section at the bottom of the page.
Your FICO® Score is calculated based on data from your Equifax credit report using the FICO® Bankcard Score 8 model and may be different from other credit scores. FICO® Scores are intended for and delivered only to the Primary cardmember and only if a FICO® Score is available. Disclosure of this score is not available for all Citi products and Citi may discontinue displaying the score at our discretion.
FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Your FICO® Score is provided for your own non-commercial personal review, use and benefit. Citi and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Citi and Fair Isaac do not provide ‘credit repair’ services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.