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Frequent Contributor
Posts: 399
Registered: ‎11-13-2013
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Amex 3x & EX score

My 61 day 3x is coming up in 7 days.  Amex last sp'ed on December 30 on EX. 

 

Yesterday I bought my EX from myfico and also did the pre approval on Credit One Bank.  The sp from Credit One was on my EX report when I checked this morning.  Here is the question, which score is Amex seeing?  The Credit One EX score is 26 points higher than what the EX myfico showed on the same day....anyone care to chime in on why such a big difference? 

 

My myfico EX score is exactly what it was when I was approved for my Amex but my ULT is, and has, reported 1% since my Amex approval, compared to 16% at approval, so if they liked that profile at approval, I'm hoping they'll like the current for 3x. 


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Community Leader
Senior Contributor
Posts: 26,876
Registered: ‎02-07-2013
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Re: Amex 3x & EX score


Blackrv7 wrote:

My 61 day 3x is coming up in 7 days.  Amex last sp'ed on December 30 on EX. 

 

Yesterday I bought my EX from myfico and also did the pre approval on Credit One Bank.  The sp from Credit One was on my EX report when I checked this morning.  Here is the question, which score is Amex seeing? Amex uses their own internal scoring system they just pull a score from EX to start the process

 

The Credit One EX score is 26 points higher than what the EX myfico showed on the same day....anyone care to chime in on why such a big difference? To many Fico scoring models out their (49) but all can lead to a different score ....could be credit card enhanced version just one example 

 

My myfico EX score is exactly what it was when I was approved for my Amex but my ULT is, and has, reported 1% since my Amex approval, compared to 16% at approval, so if they liked that profile at approval, I'm hoping they'll like the current for 3x. Good luck 


 



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