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New Member
jlt1984
Posts: 4
Registered: ‎11-20-2012
0

AmEx CLI and FICO Score Accuracy?

Hi everyone,

 

I've been working on rebuilding for the past two years, with a low FICO of 587 which I have brought up to 684 as of an alert on 1/4/13 -- according to this site.  Ive been a cardholder with AmEx since Sept 2012 and was given a measley credit line of $1,000.  Ive waited the 60 day "new customer" period and have tried to get a CLI to 3000 or 2000 in both December and January.  

 

I received by denial letters for the January attempts, which states "your FICO score on 1/5/13 was 703."  This score does not coincide with what is reported on this site.  I've verified that my score watch alert is set to anything 685+, so I'm not sure why I'm seeing varying scores.  

 

Has anyone else experienced this type of discrepancy between the score on this site and what lenders report?  Thanks for any info...

Beginning EQ score 01/11: 607
Current EQ score 11/12: 671
Established Contributor
CribDuchess
Posts: 651
Registered: ‎09-12-2011
0

Re: AmEx CLI and FICO Score Accuracy?

Amex most likely pulled your Experian score which is not the same as your Equifax or Transunion score that you call pull on this site.  The letter from Amex should indicate which bureau was pulled (usually Experian).

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $15K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: AmEx CLI and FICO Score Accuracy?

 

+1.   Scorewatch monitors the Equifax CRA and AMEX very likely pulled Experian.   Your FICO scores from different CRAs won't be the same.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
thom02099
Posts: 1,326
Registered: ‎08-30-2011
0

Re: AmEx CLI and FICO Score Accuracy?

[ Edited ]

jlt1984 wrote:

Hi everyone,

 

I've been working on rebuilding for the past two years, with a low FICO of 587 which I have brought up to 684 as of an alert on 1/4/13 -- according to this site.  Ive been a cardholder with AmEx since Sept 2012 and was given a measley credit line of $1,000.  Ive waited the 60 day "new customer" period and have tried to get a CLI to 3000 or 2000 in both December and January.  

 

I received by denial letters for the January attempts, which states "your FICO score on 1/5/13 was 703."  This score does not coincide with what is reported on this site.  I've verified that my score watch alert is set to anything 685+, so I'm not sure why I'm seeing varying scores.  

 

Has anyone else experienced this type of discrepancy between the score on this site and what lenders report?  Thanks for any info...


Can you confirm which report they cited in their denial?  AMEX nearly always pulls EX, though of course there are always exceptions for various circumstances.

Your EQ score here of 684 is a true FICO score.  But you can't get an EX score here.  That could explain the discrepancy in score. 

 

EDIT:  Jeepers, you guys ^^^^^^ above are quick !

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
New Member
jlt1984
Posts: 4
Registered: ‎11-20-2012
0

Re: AmEx CLI and FICO Score Accuracy?

Thanks everyone; it is Experian.  When I saw FICO I instantaneously associated it with Equifax -- I thought the Experian scores were not allowed to use the phrase "FICO" - shows what I know, I guess...lol.

Beginning EQ score 01/11: 607
Current EQ score 11/12: 671
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: AmEx CLI and FICO Score Accuracy?

 

Consumers cannot purchase FICO scores from Experian.   But lenders and creditors purchase them.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
android01
Posts: 1,220
Registered: ‎09-22-2009
0

Re: AmEx CLI and FICO Score Accuracy?

It's my hope that FICO and Experian kiss and make up for whatever differences they have so we can get all 3 of our FICO scores here again.....:smileyhappy:

EQ FICO - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14
Moderator
Revelate
Posts: 9,548
Registered: ‎12-30-2011
0

Re: AmEx CLI and FICO Score Accuracy?


android01 wrote:

It's my hope that FICO and Experian kiss and make up for whatever differences they have so we can get all 3 of our FICO scores here again.....:smileyhappy:


Me too actually, and I'd love an update of TU98 -> TU04 for that matter while I'm wishing.

 

As for Amex, not only was it likely Experian, I strongly suspect they use either FICO '08 and/or Bankcard-enhanced as well.  Waiting to see my own score whenever they send me my recently approved BCP, as the approval was way out of line for the scores which I have here.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AmEx CLI and FICO Score Accuracy?

Yeah... Pretty sure they use that FICO 08. My Amex BCE approval was based on a 696 TU 08 FICO that matched my Walmart FICO!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator
Revelate
Posts: 9,548
Registered: ‎12-30-2011
0

Re: AmEx CLI and FICO Score Accuracy?


youngandcreditwrthy wrote:
Yeah... Pretty sure they use that FICO 08. My Amex BCE approval was based on a 696 TU 08 FICO that matched my Walmart FICO!

Out of curiosity, were they pulled with the same balance and payment history reported, i.e. close enough together for there to be no disparity in the reports on any of the tradelines?

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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