09-08-2012 09:56 PM
I got Zync and Costco and didn't get a score with either. They are only required to give you a FICO if they're giving you less than their best terms (interest rate). All Costco Amex have the same interest rate, so there are no "less than best" terms. And charges don't have interest rates because they're PIF.
I also just got Citibank Plat and didn't get a score. But I did get their lowest interest rate.
So, it seems that you only get your FICO if it's a card with an interest rate and they're giving a rate that is higher than their lowest available.
09-08-2012 10:01 PM
now just waiting on word from amex for my mothers costco. (since im the only other person on the account i wanted to be added as an au but it backfired but still think it was a soft pull if he even did the app)
my grandmother even has one of those and her only income is disability and ss. =___=
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO