Amex FICO score now officially available to all cardholders

[Marco Polo]

yeah but with too many under one loging i would need many computers with multiple browsers to save Amex offers for all....

Why would you need multiple computers?

[Yhgfkj]

it seems this isn't available for business accounts ?

on one of my accounts I had to separate my personal primary cards from business in order to get it,
on my other account where its mixed personal and business but when I navigate to my business card it disappeared

[pixi]

removed my AU from my login and i am able to see my fico score
but i don't like the new website design

[Boruch999]

I have PRG, SPG, ED, Delta Gold, Blue, BRG, and a PRG AU in my primary login.

When I remove AU, I get new version of site.

When I remove BRG, I get FICO.

[pixi]

I have PRG, SPG, ED, Delta Gold, Blue, BRG, and a PRG AU in my primary login.

When I remove AU, I get new version of site.

When I remove BRG, I get FICO.

I have my fico score with the PRG card

[AJK]

I am not following. They use your Experian credit report. The formula they use is FICO 08. How that formula works is anybody's guess.

If you have a big difference in scores I would get a hard copy of all three reports and compare them to make sure the info is accurate and the same.

I know they're using EX.

I'm simply wondering if the EX report is updated to show that Card X's util is not 75%, but 15%, as it is showing on my Barclay's shown FICO (TU) score.

If it has, I can attribute difference to inquiries and other things.

[gubevo18]

I have spg No au's and no score

[Yhgfkj]

I have spg No au's and no score

business or personal ?

[caliheat]

Mine is a 60 point difference. I'll see what happens once i get the AU accounts off.

Mine is 100 point difference.

[gubevo18]

business or personal ?

personal

[gubevo18]

K its on now!

[Tywin]

I'm getting the FICO score on all 7 of my personal accounts but none of my business accounts. All accounts are on 1 log in.

[Tywin]

Normal.

More inquiries on EX than the others probably, as well as the fact that not all accounts are probably on each one. There's a 30 point difference between EX and the other for me.

My Experian is also 30 points lower than my Transunion of Equifax FICO's. The difference is due to more inquiries on Experian.

[ChaimMoskowitz]

I know they're using EX.

I'm simply wondering if the EX report is updated to show that Card X's util is not 75%, but 15%, as it is showing on my Barclay's shown FICO (TU) score.

If it has, I can attribute difference to inquiries and other things.

You would have to pull your report when they generated your score. To do what you want to do you need a service that provides your score and report daily. Also your scores will be different even if all three reports have the exact info because they are using different versions of FICO. What is range you are getting?

[Tywin]

I know they're using EX.

I'm simply wondering if the EX report is updated to show that Card X's util is not 75%, but 15%, as it is showing on my Barclay's shown FICO (TU) score.

If it has, I can attribute difference to inquiries and other things.

You can get free access to your credit report on Experian. If you abuse it and try to get access too often, they will freeze you out.

[AJK]

My Experian is also 30 points lower than my Transunion of Equifax FICO's. The difference is due to more inquiries on Experian.

Unless you know that your reports are identical except for the inquiries, which you couldn't know considering AmEx isn't furnishing the report it's basing it's FICO off of, there's no way you could know that.

You would have to pull your report when they generated your score. To do what you want to do you need a service that provides your score and report daily. Also your scores will be different even if all three reports have the exact info because they are using different versions of FICO. What is range you are getting?

Correct. But I'd be interested in seeing if they are at least using the same raw data. No way to know that as mentioned above.

You can get free access to your credit report on Experian. If you abuse it and try to get access too often, they will freeze you out.

Correct, but I still wouldn't know if the report being generated by EX is the same report that AmEx used in calculating my FICO.

[Tywin]

Correct, but I still wouldn't know if the report being generated by EX is the same report that AmEx used in calculating my FICO.

Oh, I see. Amex shows my FICO was generated on July 25th. So, there is no way to access your credit report from that date, unless you have some type of credit monitoring.

[Tywin]

Unless you know that your reports are identical except for the inquiries, which you couldn't know considering AmEx isn't furnishing the report it's basing it's FICO off of, there's no way you could know that.

I monitor all of my FICO scores on a regular basis. I have daily access to my Experian FICO scores and Experian credit reports through Credit Check Total. My Experian FICO scores are consistently 30 points lower than the other 2 credit bureaus. The only notable difference is inquiries.

[AJK]

I monitor all of my FICO scores on a regular basis. I have daily access to my Experian FICO scores and Experian credit reports through Credit Check Total. My Experian FICO scores are consistently 30 points lower than the other 2 credit bureaus. The only notable difference is inquiries.

Again, are you sure the reports are identical? Same exact accounts report on each? Same history?

[Tywin]

Again, are you sure the reports are identical? Same exact accounts report on each? Same history?

Yes, I've been doing this for quite some time.

I get daily Experian FICO scores and credit reports from CCT.

I get weekly TU and EQ credit reports from Credit Karma.

I also have Myfico credit bureau monitoring. It updates TU and EQ FICO scores every time there is a balance change. It is possible to force frequent FICO score updates. For instance, if you have several Chase cards, you can let a balance report on each card. This forces a FICO update. Then, you can pay each balance off. Each time you PIF to zero, Chase updates to the credit bureaus. This forces another FICO score update.

There are other ways of forcing frequent updates to FICO scores that I am not willing to discuss in open forum.