Amex offers free Experian Credit Score?
Dec 26, 20, 8:20 am - Wikipost
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Dec 12, 20, 8:34 am
#76
Join Date: Jun 2002
Location: California USA
Posts: 546
Originally Posted by dayone
I have a Platinum Card. Has access to the FICO 8 score (Experian, IIRC) in Account Services been removed?
I only see View Credit Score and that link takes me to the MyCredit Guide and VantageScore 3.0.
I only see View Credit Score and that link takes me to the MyCredit Guide and VantageScore 3.0.
Dec 12, 20, 12:04 pm
#77
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Join Date: Apr 2013
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Originally Posted by SteveT
To get your FICO Score: Account Services > Profile > Scroll down and click FICO score.
So you can get both the worthless Vantage fake score and your Experian FICO 8 (but onl as of a specific date each month).
I'll note as data points that my VantageScore 3.0 is currently 46 points below my Experian FICO 8. Also, as of today, AMEX shows my November 14 Experian score, which is 15 points below my current score. Their algorithm can be extremely sensitive to monthly fluctuations in closing credit card account balances if a heavy spend month takes you over one of their percentage thresholds (in my case, 10% of total credit limit).
Dec 12, 20, 4:19 pm
#80
Join Date: Jun 2002
Location: California USA
Posts: 546
Originally Posted by Kacee
Thanks.
So you can get both the worthless Vantage fake score and your Experian FICO 8 (but onl as of a specific date each month).
I'll note as data points that my VantageScore 3.0 is currently 46 points below my Experian FICO 8. Also, as of today, AMEX shows my November 14 Experian score, which is 15 points below my current score. Their algorithm can be extremely sensitive to monthly fluctuations in closing credit card account balances if a heavy spend month takes you over one of their percentage thresholds (in my case, 10% of total credit limit).
So you can get both the worthless Vantage fake score and your Experian FICO 8 (but onl as of a specific date each month).
I'll note as data points that my VantageScore 3.0 is currently 46 points below my Experian FICO 8. Also, as of today, AMEX shows my November 14 Experian score, which is 15 points below my current score. Their algorithm can be extremely sensitive to monthly fluctuations in closing credit card account balances if a heavy spend month takes you over one of their percentage thresholds (in my case, 10% of total credit limit).
My Vantage score is about 15 points lower than my FICO 8.
Dec 13, 20, 4:32 pm
#82
Join Date: Aug 2015
Location: SFO
Programs: AS MVP, SK, UR, MR
Posts: 1,244
It wasn’t until recently that I dipped into the free credit services of Chase and Amex, the credit card companies primary to me. Not having applied for any credit for nearly six years, my wife and I each got a few new cards, so given they had our reports already, I figured we might as well enjoy the splash of alerts stemming from inquiries, new accounts and balance fluctuations that these free services have to offer, flavored by letting many “dormant” accounts report a balance.
Inspired by creating My Equifax accounts, we even signed up for the free Experian service with alerts and the bonus of a FICO 8 score every so often and the free Transunion reports while we were at it, not to forget Credit Karma that we hadn’t checked for years and which provides Equifax and Transunion data.
Of course "Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.” but no alerts.
On top of it, I got an iPhone 12 two weeks ago and am now more than before impressed by various apps, perhaps Chase’s Credit Journey in particular, and for Amex I agree that
Yes, the bottom of the website lists CreditSecure (and MyCredit), but not FICO Score, while the app under Account lists FICO Score (and MyCredit), but not CreditSecure.
I am beginning to doubt whether I still need it, but it’s certainly nice having the three reports lined up in a single display.
Inspired by creating My Equifax accounts, we even signed up for the free Experian service with alerts and the bonus of a FICO 8 score every so often and the free Transunion reports while we were at it, not to forget Credit Karma that we hadn’t checked for years and which provides Equifax and Transunion data.
Of course "Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.” but no alerts.
On top of it, I got an iPhone 12 two weeks ago and am now more than before impressed by various apps, perhaps Chase’s Credit Journey in particular, and for Amex I agree that
Originally Posted by cfabar1
I find the easiest way to find the FICO score with Amex is through the iPhone App, and not the website. If you want to view the fake score that they have, the website is easier than the app.
Originally Posted by sdix
With all the CC companies now offering some level of "free" FICO scores my score bounces up and down like a yoyo. My paid for Amex Credit Secure seems the most reliable and consistent with some changes monthly but not drastic. The scores from Chase or Citi can easily be 50 or more points different. Worse thing is I hust applied for a refi since the rates are so so low - I got an immediate 30 point hit on Credit Secure.....
Dec 26, 20, 7:31 am
#83
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 7,612
No longer possible to view credit score on my AMEX account?
I was able to see my Fico 8 score before. I just logged into my account and I got an error message when clicking on my credit score.
Dec 26, 20, 7:38 am
#84
A FlyerTalk Posting Legend, Moderator: American Express, Citi, Diners Club, Signatures
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1) Scroll back to post 76 to confirm that you are following the procedure to view the FICO 8 score, rather than another.
2) Tell us what the Error Message says.
2) Tell us what the Error Message says.
Dec 26, 20, 8:30 am
#85
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 7,612
Originally Posted by mia
1) Scroll back to post 76 to confirm that you are following the procedure to view the FICO 8 score, rather than another.
2) Tell us what the Error Message says.
2) Tell us what the Error Message says.
Dec 26, 20, 11:00 am
#86
A FlyerTalk Posting Legend, Moderator: American Express, Citi, Diners Club, Signatures
Join Date: Jun 2003
Location: Miami & London
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Originally Posted by lsquare
. I just clicked account services and there's a link to see the credit score.....
Dec 26, 20, 12:19 pm
#87
Join Date: Sep 2015
Location: flyover country
Posts: 1,262
Originally Posted by lsquare
Did AMEX changed the way to view FICO score? I don't think I had to go to profile to see my FICO score. I just clicked account services and there's a link to see the credit score.
A big thank you to SteveT for explaining how to do it now.
