Question about AMEX, AU and Experian

[Breakthecycle2]

OK, So I am an AU on my fiances AMEX and it is reporting on my reports. Today, I pulled my creditexpert Experian reports (free unlimited reports for a month with FAKO) and the AMEX account is gone. So I decided to check my Experian Fico because the last time it was 518, so I pull it and it is now 570? Anyone have any insight why the accoutn is gone and the high score jump?

Experian 570 10/21/2008

518 10/14/2008

518 10/3/2008

526 9/26/2008

[Anonymous]

did the amex have very high utilization

[Breakthecycle2]

Yeah it did actually, but the account has not been hit yet with CLD.

[Anonymous]

A score difference of that magnitude is likely caused by the high utilization on the card that is no longer reporting (assuming there are no baddies associated with that account), but it could also be due to the age of that account and how it relates to your overall age of accounts.

[Breakthecycle2]

That's what I figured, but I really want to know why it dissapeared in the first place.

[wmarat]

Have you called Amex?.

Amex Account Reporting Department

9a-5p EST

18008742717

[Breakthecycle2]

No I haven't yet. I almost don't care because my score jumped so much, but I will def call this week.

[Anonymous]

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Breakthecycle2 wrote:
No I haven't yet. I almost don't care because my score jumped so much, but I will def call this week.

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Why do you want to look that gift horse in the mouth?

[Breakthecycle2]

LOL...I don't. It's just the wanting to know factor!

[GST2008]

I have the same situation going on.  I have been an AU on my brother's Amex account since he opened it three years ago.  I also have unlimited EX and periodically check.  Earlier this week, the Amex account no longer appeared on my Fako.  I then decided to pull up a current Fico and it was not their either.  It is however still present on my new EQ credit report that I pulled up today.  I wonder if they are finally starting to take credit histories off of AU user accounts?