AMEX now offering free FICO 08

[JagerBombs89]

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@Anonymous wrote:

So, I have July 1st and Aug 1st scores on file. It's Sep now, but no score on Sep 1st yet. How long should I wait for to get the updated score?

My Barclay free score neither show up in Sep. My last Barclay free score was for July 31. Is this common?

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About a week.

[vanillabean]

DW as well as I have suddenly been given the new format with scores. Hers is as of August 1, so the September 1 score is likely just around the corner.

[ficobgtx]

Finally seeing my score.. been checking for a while.

"Your FICO® Score as of August 15th 824"

and

"On July 18th your score was 823"

[iDShaDoW]

Hmm, just realized that it updated but may not have looked at it correctly when I had been checking it over the past 2 weeks...

It says August 15th on top (807) then the July 18th score below (807).

I likely glanced too quickly and saw 807 so figured it was still the July's score.

[iDShaDoW]

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@Revelate wrote:

When last checked PSECU was still offering EX Risk Model v2 = EX 98 = part of the mortgage trifecta.

Moar scores = moar goodness imo.

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Definitely, I'm glad to have found out it's not just a "duplicate" EX score of some sort.

[xp]

I'm wondering why there is a huge difference between EX-Myfico  and Amex/

791 (Amex) vs 719 (Ex-Myfico)

Apologies if this has been answered. I checked last 3-4 threads, didnt find any references.

Thanks

[Anonymous]

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@xp wrote:

I'm wondering why there is a huge difference between EX-Myfico  and Amex/

791 (Amex) vs 719 (Ex-Myfico)

Apologies if this has been answered. I checked last 3-4 threads, didnt find any references.

Thanks

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The two scores should be the same if they were pulled on the same dates and if they are using the same scoring model.

Can you check the dates the scores were pulled?

[Anonymous]

Amex's scores tend to take a couple weeks to post. Maybe something happened in the interim?

[Imperfectfuture]

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@Anonymous wrote:

Amex's scores tend to take a couple weeks to post. Maybe something happened in the interim?

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Mine tends to match at time of pull, but my file is changing with very little activity, just changes in balances.  If you have some baddies, high utilization, and/or new accounts, loans, then there can be a difference.

[takeshi74]

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@xp wrote:

I'm wondering why there is a huge difference between EX-Myfico  and Amex/

791 (Amex) vs 719 (Ex-Myfico)

Apologies if this has been answered. I checked last 3-4 threads, didnt find any references.

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Best way to answer is to review reports from when the scores were generated and carefully compare.  We can endlessly speculate and you can endlessly review threads but there are many possible causes.  Always refer to reports to determine the cause(s) of any scoring change.  For a difference that large I'd guess a derog, extreme increase in revolving utilization or something along those lines.

Your reports aren't static so if the scores weren't generated at the same time there's certainly a possiblity that the number generated may differ as report data changes.