AMEX Credit Secure scores

[Anonymous]

Are these what people refer to FAKO Scores? I pay $13-$14 to see all 3 scores and pull 2 reports a month.  So far what I've been seeing its pretty close to a true FICO score.

What do you guys think?

[drkaje]

The correlation is never consistent enough to reliably predict actual scores.

[LS2982]

These are EX PLUS scores (FAKO)

[Anonymous]

I have also found them to be close to my FICO scores on all 3 bureaus. I just got my FICO score from a BOA application at 737 (EX), and my Amex score was 739. I have had similar experiences with EQ and TU, and they have been consistent like this for the last 6 months or so.

I think if you have a pretty 'normal' credit file with no negatives these scores should be a good guestimate for where you are. As always, there will probably be somebody whose scores were way off, so YMMV.

[drkaje]

FWIW, my Ex Plus score tends to run 10-15 lower than actual Ex FICO.

[android01]

---

@drkaje wrote:

FWIW, my Ex Plus score tends to run 10-15 lower than actual Ex FICO.

---

Agreed.  My EX FICO is 811 and my EX PLUS is 784.  

[drkaje]

@ Android,

I'd love to think my Ex score is 15pts higher than the 750 USAA is showing, LOL!