For your security, it’s good to review your updated FICO® Score monthly and scan for any unexpected changes. Checking your score in the Citi Mobile® App or on Citi® Online is free, and no matter how often you check it, your score won’t be impacted. You can view your progress at a glance- see up to 6 months of score history.
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FICO® Scores: What You Need to Know
What's in my FICO® Score?
35% payment history, 30% amount you owe, 15% length of credit history, 10% new credit opened, 10% credit mix.
FICO® Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).
Your FICO® Scores consider both positive and negative information in your credit report. The percentages in the chart reflect how important each of the categories is in determining how your FICO® Scores are calculated.
What Your Score Means to Lenders
Poor well below average, Fair below average, Good near average, Very Good above average, Exceptional well above average.
- 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 open
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® Score(s) 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 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.