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American Express, bogus Fico scores

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aftermath
Established Contributor

Re: American Express, bogus Fico scores


@Anonymous wrote:

Where are they getting their number from?

 

Look at the following and tell me... it clearly shows on Myfico my scores are TU 672 EQ 678 and my experian fako is 714.

 

http://www.mediafire.com/download.php?q8g16519uvc1wdw

 

Letter says:

Thank you for your recent application for Blue Cash Everyday., We do value your desire to establish a relationship with us. We regret that we are unable to approve your request. Reason for our Decision: Your Fico Score (see below)

 

On July 27th, 2011, your FICO Score was 646. The fico score ranges from 300-850.

 

 



What seems to be the confusion?

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Message 11 of 13
Anonymous
Not applicable

Re: American Express, bogus Fico scores

Their internal risk scoring model weighs a lot on length of credit history and AAoA. Being amex AU on someone with great history

helps pushing approval while other creditors will usually not including AU in their decision. 

Message 12 of 13
haulingthescoreup
Moderator Emerita

Re: American Express, bogus Fico scores

Very cool; thanks, MVV.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 13 of 13
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