Starting Score:
As PizzaDude said, PSECU is a PA credit Union....more specifically, it's the largest teacher's credit union in the state. I'm a member through my brother and my wife. Getting my EX FICO through them is the only reason I even joined. Cool perk. From what I can tell, it's the real FICO that banks actually see...not some outdated Experian Model that is no longer used by lenders.
I find it ironic that EX no longer sells its score to consumers since it's the one most used by banks for non-federal program mortgages like SBA and Fannie/Freddie mortgages.
As to your question about AMEX....
Amex generally pulls EX, in my experience, when you apply for a card....provided they only pull one. In 2 apps I have made with them, it's the only score they pulled. When you apply, they'll tell you the score.
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