For Immediate Release
Citigroup Inc. (NYSE: C)
January 20, 2015

Citi® Cards Provides Complimentary FICO® Scores and Insights to Cardmembers


Citi consumer credit cardmembers receive monthly FICO Score updates online

New York – Citi has begun delivering complimentary FICO Scores to Citi-branded consumer credit cardmembers, as previously announced in fall 2014. Beginning immediately, millions of Citi consumer credit cardmembers can access their FICO Score online at after logging in with their account credentials. Citi will provide monthly updates to FICO scores, based on Equifax data.

Citi is among the first of the major U.S. banks to provide a credit score commonly used by lenders. Through Citi's web site, credit cardmembers will have access to their FICO Score as well as educational resources describing factors contributing to their score.

"Our commitment is to deliver value to our cardmembers whenever they reach for their card – and this includes information and insight to help them plan for the future," said Ralph Andretta, Head of Product Management, Citi Cards. "An important piece of this is being informed on how to build a strong credit history to inform their individual goals."

FICO Scores will be refreshed monthly based on Equifax data to give cardmembers the most up-to-date information, which will include:

  • FICO® Score with two key factors impacting their score
  • FICO® Score Meter to show cardmembers where they fall within the credit score range
  • A visual of the score range to help them understand what each range means to lenders
  • A breakdown of the factors that contribute to FICO® Scores

"We are always pleased to see companies taking steps to empower consumers with information that helps them manage their credit wisely. Providing Citi credit customers with free access to the same FICO score often used to make lending decisions and insights into factors that impact their score gives consumers valuable tools to build a stronger financial future," said Ken McEldowney, Executive Director of Consumer Action. "As more financial institutions plan to provide this important credit tool, Consumer Action hopes it will soon be available to all credit card customers across the U.S."

Citi will have trained customer service specialists, available via chat @AskCiti, email and phone, to provide general information or to guide cardmembers through the online experience. In addition, Citi cardmembers can contact Equifax directly for credit-related questions. While the FICO Score information is now accessible online, beginning later this year, Citi cardmembers can request their FICO Score be delivered via a letter by contacting Citi Customer Service.

"FICO is committed to consumer empowerment and increasing transparency to help people manage their credit health," said Jim Wehmann, executive vice president, Scores, at FICO. "Over 90 percent of lending decisions in the U.S. are based on a FICO Score. They are the scores to know for people who want to manage their finances more effectively. We are proud to partner with Citi in bringing free FICO Scores to millions of Americans."

The program is part of FICO Score Open Access launched in late 2013, which allows financial institutions to offer their customers the same FICO Scores used to help manage their accounts. FICO Scores provided by Citi are not considered a formal credit bureau inquiry, and therefore do not impact the cardmember's credit score.

FICO Scores are the most widely used credit scores in U.S. lending decisions. FICO Scores are based on information in consumer credit files maintained by the major credit reporting agencies. Individuals who would like to learn more about FICO Scores may visit

To learn more about the consumer benefits of Citi branded credit cards, visit

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

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FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company's groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health. FICO: Make every decision count™. Learn more at