Which credit bureau does CitiCards use?

Author: molder101
Joined: 08 Dec 2004
Posts: 1
Location: NJ
Posted: Wed Dec 08, 2004 1:22 pm
Post subject: CitiCards Fico Score

Does anyone have any idea what citicards uses as the fico score for excellent credit? My scores from Transunion, Exquifax, and Experian are 681, 741, 678 respectively. I would like their Dividend Platinum Select card as it gives 5% for gas, restaurants, and supermarkets, plus 1% for everything else. Problem is I don't want to apply if I am going to get declined. Currently I dont have any CC debt, just a balance on a car loan and my oldest cc is just over five years. Just curious as to what others think. (I applied for the PerfectCard which gives 3% for gas only and I was going to try to upgrade from that card to the other if possible)

Thanks,
Mike

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2386
Location: Illinois
Posted: Wed Dec 08, 2004 1:29 pm

Think you have a good chance, remember my DH's scores being in the 650 range when he applied and was approved... it was not the same one you are looking at though. I had that one myself, and my scores were 680 to 700 range... but that was not FICO model scores I went by.

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Author: lawyer2be371
Joined: 10 Nov 2004
Posts: 70
Location: Milwaukee, Wisconsin
Posted: Wed Dec 08, 2004 2:27 pm

WHO IS (DH)?

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2386
Location: Illinois
Posted: Wed Dec 08, 2004 4:11 pm

Sorry DH = Dear Husband There are a few short cut words like that... CRA = Credit Reporting Agency CRRR = Certified Return Receipt Requested CA = Collection Agency CC = Credit Card CO = Charge Off CCCS = Consumer Credit Counseling Service DW = Dear Wife SO = Significant Other FCRA = Fair Credit Reporting Act FDCPA = Fair Debt Collection Practices Act I know I have more somewhere, it can get confusing moving amoung the boards and keeping up with the short hand out here - almost need a manual just for the language before you can get started.

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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 785
Location: NJ
Posted: Thu Dec 09, 2004 8:25 pm

POSSLQ = Persons of Opposite Sex Sharing Living Quarters

Do not let what you cannot do interfere with what you can do.

Ira

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2386
Location: Illinois
Posted: Thu Dec 09, 2004 9:09 pm

That is funny, I will add that to the list,

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 493
Posted: Fri Dec 10, 2004 5:43 pm

Off topic Ira, but a bit of humor is always appreciated.

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 785
Location: NJ
Posted: Sat Dec 11, 2004 10:52 am

Actually it's an official census designation which probably makes it all the more humourous.

Do not let what you cannot do interfere with what you can do.

Ira

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