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Established Member
Posts: 21
Registered: ‎12-05-2015
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American Express real FICO score?

Is the FICO score given free by my Amex card a true FICO?

JUst wondering as its 100 points higher than both my Credit Karma scores.

Senior Contributor
Posts: 6,751
Registered: ‎04-11-2016

Re: American Express real FICO score?

Your Amex score is a true Experian FICO 08 score.


Your Credit Karma scores are TransUnion Vantagescore 3.0 and Equifax Vantagescore 3.0.


The score you get from Amex and the ones from CK are not related at all.  The majority of lenders use FICO scores, so I'd value your score through Amex more.  Unless a potential lender of yours is using Vantagescore 3.0, I wouldn't care about those scores very much.

Established Contributor
Posts: 851
Registered: ‎02-11-2012
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Re: American Express real FICO score?

My Fico score from Amex mirrors my Experian report pulled here. 

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience

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