topic Re: Getting EX FICO from Amex in Credit Cards

Getting EX FICO from Amex

bichonmom — Sun, 04 Mar 2012 05:55:20 GMT

Many here have said that when you app for an Amex revolver and don't get their best terms, you'll get a letter with your FICO score mailed separately from your card.

My card came on Tuesday. It looks like Costco Amex only has one interest rate, but I only got a $2k limit, so I was hoping that I would get the letter and finally know what my EX FICO is. (It's driving me CRAZY!) I thoroughly looked through the papers sent with my card, and it wasn't there. There were only standard enclosures sent with CCs (rates, privacy notice, etc.).

So, I was wondering about how long after you got your Amex card did you receive your FICO. Was it sent with the interest rates and other papers? I've been keeping an eye out, but so far nothing else has arrived.

Any thoughts? Does it look like you don't get your FICO with the Costco Amex?

Thanks!

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 07:23:38 GMT

I think they may have stopped sending the EX. When I got my Clear back in April 2011, my EX score came in the same envelope. When I got BCE last month, I didn't get the best terms and I also didn't get an EX score. A few others here have had the same experience.

Re: Getting EX FICO from Amex

emptypockets — Sun, 04 Mar 2012 07:37:50 GMT

When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.

Re: Getting EX FICO from Amex

improvingmycredit — Sun, 04 Mar 2012 07:50:08 GMT

Hello Bich -

It is only required by law that the issuing company give you a "score" if you do not meet the credit requirements for the best terms for the credit product you are applying. So in this case, because the Amex Costco only has one APR available to applicants, you will not get your EX FICO from Amex. Now if there were several tiers of APRs available for the Costco and you didn't qualify for the lowest APR tier, then you would have recieved the EX FICO. Sorry.

Edit: Grammar again.

Re: Getting EX FICO from Amex

xboxrunner — Sun, 04 Mar 2012 07:46:32 GMT

I recently recieved Amex BCE card, and about a week before getting the card they sent a seperate mailing indicating my Experian Fico score. So I can confirm they still mail out scores.

Re: Getting EX FICO from Amex

bichonmom — Sun, 04 Mar 2012 07:49:24 GMT

@emptypockets wrote:
When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.

The email did not have any attachments.

Re: Getting EX FICO from Amex

bichonmom — Sun, 04 Mar 2012 07:52:39 GMT

@improvingmycredit wrote:
Hello Bich -
It is only required by law that the issuing company give you a "score" if you do not meet the credit requirements for the best terms for the credit product you are applying. So in this case, because the Amex Costco only has one APR available to applicants, you will not get your EX FICO from Amex. Now if there were several tiers of APRs available for the Costco and you didn't qualify for the lost APR tier, then you would have recieved the EX FICO. Sorry.

I thought because I got such a low limit, that would be considered "not the best terms." D@mn. I SO wanted my EX FICO. I have NO idea what it is. It could be 650, it could be 750. Not the foggiest clue. And I'm guessing that it's not THAT high, because they gave me such a low CL w/Costco. I'm glad I got the card, but I almost would rather have had my EX FICO!!! Maybe I should move to Pennsylvania.

Re: Getting EX FICO from Amex

improvingmycredit — Sun, 04 Mar 2012 07:55:34 GMT

LOL - Don't worry, in 61 days you'll have 3 X's your current credit limit (fingers crossed) and in 8 months over $10000+. Amex is great about taking care of their loyal card members.

Re: Getting EX FICO from Amex

improvingmycredit — Sun, 04 Mar 2012 08:01:55 GMT

Bichonmom - check your PM

Re: Getting EX FICO from Amex

bichonmom — Sun, 04 Mar 2012 08:02:47 GMT

Has anyone had any success calling Amex and asking for their FICO score?

Re: Getting EX FICO from Amex

LS2982 — Sun, 04 Mar 2012 10:32:33 GMT

@improvingmycredit wrote:
Hello Bich -
It is only required by law that the issuing company give you a "score" if you do not meet the credit requirements for the best terms for the credit product you are applying. So in this case, because the Amex Costco only has one APR available to applicants, you will not get your EX FICO from Amex. Now if there were several tiers of APRs available for the Costco and you didn't qualify for the lowest APR tier, then you would have recieved the EX FICO. Sorry.

Edit: Grammar again.

Re: Getting EX FICO from Amex

pizzadude — Sun, 04 Mar 2012 13:59:35 GMT

@bichonmom wrote:
Has anyone had any success calling Amex and asking for their FICO score?

I tried calling AMEX several times after I received my ZYNC $200 Hard Limit card since I didn't get a FICO score. Unfortunately I was never able to get it, I tried all the backdoor numbers listed but no one could tell me my score.

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 14:05:36 GMT

@emptypockets wrote:
When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.

+1 This is exactly what happened to me. I got the form letter a few days before the actual card which was in early Feb 2012. It was a confirmation of approval with credit score on the back. I didnt receive one when I got my Blue nor charge last year. Sorry, maybe you can call can ask what score they used??

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 14:10:42 GMT

Sorry, didn't read Pizzadude's message before answering....BTW, Bich, I just know you didn't really mean you would rather have the score than the card did you? Lol

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 14:15:04 GMT

@Anonymous wrote:
@emptypockets wrote:
When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.
+1 This is exactly what happened to me. I got the form letter a few days before the actual card which was in early Feb 2012. It was a confirmation of approval with credit score on the back. I didnt receive one when I got my Blue nor charge last year. Sorry, maybe you can call can ask what score they used??

+1 Same here with the BCE, it was on the back of a mailing that talked about what your interest rate is, blah, blah,blah..

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 14:24:55 GMT

I got my EX FICO in a letter this past Thursday from Blue Application. The letter said that I was approved and they set my interest rate based off of my Experien credit score. Then on a second sheet of paper was my Experian score and primary negative factors in it. Apparently 2% utilization is too high a ratio between revolving debt and revolving credit limits....whatever. Two of the factors were valid and the latter two seemed like they were just filling empty space on the form. Anyway, the letter didn't even tell me my interest rate, and I have still yet to receive the card.

Re: Getting EX FICO from Amex

mAndrew1980 — Sun, 04 Mar 2012 14:40:23 GMT

Bich, I feel your pain. I want my EX Fico sooooo bad. I believe it'd be my highest FICO but I have no way of knowing. I've always wondered why we can't just call the cc company and ask what it is (assuming we app'ed for their card). Anyways hopefully they'll send it to you and it just hasn't arrived yet? I'll have to wait until April or May when I app for the Zync.

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 15:07:45 GMT

I guess I'll find out in a week or two if they actually post a score on my new BCE.

The rep did say I got the best terms, so maybe it won't happen.

Re: Getting EX FICO from Amex

LS2982 — Sun, 04 Mar 2012 15:40:36 GMT

@Anonymous wrote:
I guess I'll find out in a week or two if they actually post a score on my new BCE.
The rep did say I got the best terms, so maybe it won't happen.

If you got the best terms they won't send you a FICO score unfortunately, but you may be able to call in and find out!

Re: Getting EX FICO from Amex

Anonymous — Sun, 04 Mar 2012 17:00:26 GMT

@LS2982 wrote:
@Anonymous wrote:
I guess I'll find out in a week or two if they actually post a score on my new BCE.
The rep did say I got the best terms, so maybe it won't happen.
If you got the best terms they won't send you a FICO score unfortunately, but you may be able to call in and find out!

Well, I'm kind of unsure, I've had reps in the past say "the best terms" but usually what they meant was the "best terms" based on my credit score. So I'm iffy about believing him until I get my approval letter.