Free FICO Scores for Citi Cardholders

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Free FICO Scores for Citi Cardholders

Million Mile SecretsFree FICO Scores for Citi CardholdersMillion Mile Secrets Team

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If you have a Citibank credit card you will soon be able to access your Equifax FICO score for free!

Free FICO Scores For Citi Cardholders
Keeping Track of Your FICO Score Is Now Free, for Citi Cardholders!

Even if you don’t have a Citi card, I’ll show you how you can monitor your credit for free.

Your credit score is a number that reflects your ability to pack back loans.   Banks use your credit score to determine whether or not they should approve you for a credit card, home loan, car loan, and more.

So if you don’t have a good credit score, you won’t be able to enjoy Big Travel with Small Money!

How Is Your FICO Score Determined?

FICO scores are based on the following:

  • Payment history
  • Amounts owed
  • Length of credit history
  • New credit
  • Types of credit
Free FICO Scores For Citi Cardholders
Your Payment History Is the Most Important Factor in Your Credit Score

Learn about how applying for lots of credit cards can impact your score in my series on credit scores.

It’s important to monitor your credit score to check for fraud and identity theft.  And you can do this for free, if you have a Citi branded card such as:

Don’t Have a Citi Card?

If you don’t have a Citi card, you can still check your TransUnion FICO score for free if you have certain Barclaycards.  And folks with a Discover card can get their score for free.

Knowing your credit score can help you.  But seeing your full credit report can show you if there is anything you believe to be incorrect.  That way you can file a dispute to get the mistaken or fraudulent claim removed.

Sites like CreditKarma and Credit Sesame give you access to your credit report in addition to your estimated credit score.

And once every 12 months you can get your credit report from each credit reporting company at AnnualCreditReport.com.

Bottom Line

In the past, the only way you could see your FICO score was if you were denied for a loan.  So it’s nice to see banks moving towards more transparency in how they issue credit.

If you have a Citi branded credit card, you will soon be able to check your Equifax FICO score for free.  You can also view your TransUnion FICO score for free with certain Barclays cards.

You can view your credit report and your estimated credit score on CreditKarma and Credit Sesame for free.  And at AnnualCreditReport.com you can get a free credit report from each credit bureau once every 12 months.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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This Citibank provided FICO credit score is NOT the typical or classic FICO credit score. This is a different FICO model of credit score.

“Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and may be different from other credit scores.”

This FICO model score goes up to 900 vice the typical 850 classic FICO score.

So, now we have a FAKO FICO score!!!

Any update here, when will Citi actually start showing credit scores to the customers?

Upfront, I’ve two US Bank cards and never have been informed I can get a free score. Now will my Sears store card provide me with a free score next January. I actually have talk with a Sears csr on the relationship to Citi and got no info.

@anna, @Flyer This is correct. If you have a US Bank credit card, you have complimentary access to your Experian score. I checked mine just yesterday. It is just your score, however, not your full credit report.

Knowing this in combination with what Darius has shared, you can get free scores from all three agencies: Experian (US Bank), Equifax (Citi), and TransUnion (Discover or Barlcays).

Enjoy!

Author
Million Mile Secrets

@BB – No, there are FACO scores.

@BB creditkarma and credit sesame are indeed FAKO scores. The scores you get from these credit cards are true FICO scores.

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