I was talking to AMEX about APR reduction on my BCE and they did confirm it was a SP.
However the senior credit analyst said that my EX FICO, and I asked her to double check and she said yes it is your FICO Score from Experian is 789 pulled today.
The strange part is my latest FICO from PSECU this past month was 744 and I havent seen anything on my EX that could have changed drastically apart from my Old Navy and Nordstrom reporting (which lowered my AAoA to 4.8 from 5.5 according to EX)
Plus Score? Internal Risk Score?
@CS800 wrote:I was talking to AMEX about APR reduction on my BCE and they did confirm it was a SP.
However the senior credit analyst said that my EX FICO, and I asked her to double check and she said yes it is your FICO Score from Experian is 789 pulled today.
The strange part is my latest FICO from PSECU this past month was 744 and I havent seen anything on my EX that could have changed drastically apart from my Old Navy and Nordstrom reporting (which lowered my AAoA to 4.8 from 5.5 according to EX)
Plus Score? Internal Risk Score?
I've found that the score I get from their credit secure monitoring has always been exactly the same as their soft pulls on me.
Starting Score: 617 EQ 10-17-11I did ask her is if was an actual FICO and not their internal score and she said no it's a FICO score from Experian. So im still perplexed. I mean I think it's the Beacon V3 that they use.
@pizzadude wrote:
They most certainly do use a FICO score as part of your application evaluation, and they provide your FICO score ( usually EX ) when you're declined.
However I have no idea what version it is. Could be a bankcard enhanced model, could be FICO08, could be both.......
I'll wait to see what PSECU tells me this month. But if indeed my FICO went up that much, that would be the highest my EX has ever been.
I believe their credit monitoring service uses a PLUS score, because it uses the backend of Experian's credit monitoring service.
@dp321 wrote:I believe their credit monitoring service uses a PLUS score, because it uses the backend of Experian's credit monitoring service.
that's not relevant
LIMITS IN CARD DESCRIPTIONS
Crash check your PM
My FICO score from Experian directly was 699, but 673 during Amex's review of my denied Starwoord app. I was told to talk with the DBA department directly as a result of other issues as well.
They also reported that I had too short a stint with Amex (been a member since 2010)
Had negative Paid as Agreeds with Amex
Had Too high debt rating???
I couldn't get a word in edgewise with the Credit Analysis b/c she was reading directly from the denial letter. She transferred me to Customer service to address the other negatives but Customer Service has a stellar record of 20 ontime payments??? Customer Service person pointed me to CBA as they are the only department that can see both current account activity and other Amex history.
