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Citibank now offers free ‘real’ FICO credit scores from Equifax to consumer cardmembers.
I asked what ‘select’ Citi cards meant so I checked with them and was told, “All Citi-branded consumer credit cards will offer complimentary FICO scores.”
A Citi® / AAdvantage® Platinum Select® Mastercard® gets this benefit — but a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® does not, which makes sense because credit scores are for people rather than businesses (they could give you a Dun & Bradstreet report on a small business if they wanted I suppose — even though you may be eligible for one of these cards and didn’t realize it).
Even the no annual fee Citi® Hilton HHonors™ Visa Signature® Card will get this benefit. So a free card, and free FICO score.
If you have one of these cards you should now see a FICO Score link under the ‘Card Benefits’ tab on their website.
It can take several weeks for a score to show up for the first time for a new cardmember. And worth knowing that Citi’s updating of your scores is a ‘soft pull’ so does not, itself, affect your score.
I’ve written in the past about Here’s How to Understand Your Credit Score — and Use it To Earn Miles and Points.
Citi has some simple charts:
Here’s also How to Increase Your Credit Score and Credit Limit.
Barclaycard started doing this a year ago, so holders of the Barclaycard Arrival PlusTM World Elite Mastercard® and US Airways® Premier World Mastercard® among others already get this benefit.
Barclays pulls their scores from TransUnion. So between Citi and Beclays you’re getting scores from two different bureaus. Here’s my current score via TransUnion, down slightly from a few months ago:
And here’s my Equifax score from Citi:
Discover offers these scores already as well. Bank of America and Chase should be offering FICO scores to cardmembers at some point this year.
Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either.
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