topic Re: AMEX Fico Score insane. in Credit Cards

AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 17:01:29 GMT

I got my letter saying Congrats, Your Approved in the mail, along with my Equifax FICO score.

Is their FICO different from MyFico's FICO?

They have 663, MyFico one day earlier then applying has 723. 60 Points is a big difference.

Anyway, Shouldn't look a gift horse in the mouth, I'm approved...

I keep trying to call the automated system to find my CL, but it always disconnects right after entering the zip.

Should be here any day, so I'll just wait.

Re: AMEX Fico Score insane.

shakalaka — Fri, 29 Mar 2013 17:08:49 GMT

Sure it is EQ and not EX? AFIAK Amex uses EX 99.99% of the time.

Re: AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 17:14:42 GMT

Positive, Says right on the paper:

Source: Equifax

They did pull all three when I applied, though, but this letter says Equifax specifically.

Re: AMEX Fico Score insane.

RyVision — Fri, 29 Mar 2013 17:21:27 GMT

@WolfMan wrote:
I got my letter saying Congrats, Your Approved in the mail, along with my Equifax FICO score.

Is their FICO different from MyFico's FICO?

They have 663, MyFico one day earlier then applying has 723. 60 Points is a big difference.

Anyway, Shouldn't look a gift horse in the mouth, I'm approved...
I keep trying to call the automated system to find my CL, but it always disconnects right after entering the zip.
Should be here any day, so I'll just wait.

Are you sure you read that right and it's not Experian, instead of Equifax? Or is it in addition to Experian? AMEX usually pulls Experian and uses it as their main score, and it's always on your letter if you get one including a score.

[EDIT]: Sorry, delayed post, would have been first reponse had it not been for a call LOL Is that the only score they included on the letter? Of course, they do use their own scoring method for any CB they pull.

Re: AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 17:27:43 GMT

When they pulled, they did pull all three, but letter only states EQ.

Thats AMEX for ya. LOL.

Re: AMEX Fico Score insane.

RyVision — Fri, 29 Mar 2013 17:47:19 GMT

Then under their scoring method for EQ, 663 must be in their "good" range and what they considered highest. They're going to quote the CB that was most influential in their decision. They don't usually pull all 3 unless they're on the edge of approval, even with manually reviewing the 1st and 2nd pulls at times.

This is why I say all scores are "FAKOS" even "FICOS" because there is no real, across the board "FICO" you can buy. The FICO score here is the most accurate, but you almost never see it match what you're told by a lender. So I call it "FICO's FAKO" LOL I still buy it before I apply for anything though, because I know it's the best indicator of what a lender ends up with (range of bad to excellent, not the number) for their in house score.

Re: AMEX Fico Score insane.

LS2982 — Fri, 29 Mar 2013 17:49:02 GMT

Its possible they pulled a credit card enhanced FICO. Also I agree with the others that they more than likely have an EX score listed. Is your EX/EQ file similar?

Re: AMEX Fico Score insane.

Duncanrr — Fri, 29 Mar 2013 17:59:03 GMT

I had a TU listed on my amex delta. It was different than here and was an enhanced score I think.

Re: AMEX Fico Score insane.

youngandcreditwrthy — Fri, 29 Mar 2013 18:01:37 GMT

My TU Fico of 696, which got me approved for a BCE was exactly the TU08 Fico score Walmart had me at.
They triple pulled though

Re: AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 18:06:46 GMT

@LS2982 wrote:
Its possible they pulled a credit card enhanced FICO. Also I agree with the others that they more than likely have an EX score listed. Is your EX/EQ file similar?

All three is similar.

Only difference between them is EX shows my Child Support, where the other two do not show it at all.

Of course, It's always reported as paid and on time.

All the scores are just bull-shoy! LOL.

I'm still considering calling and speaking to a person to get my CL since the automated system seems broken.

Re: AMEX Fico Score insane.

Anonymous — Fri, 29 Mar 2013 18:08:09 GMT

@youngandcreditwrthy wrote:
My TU Fico of 696, which got me approved for a BCE was exactly the TU08 Fico score Walmart had me at.
They triple pulled though

didn't you end up with a 3500 initial limit? that's really good for someone who got triple pulled.

Re: AMEX Fico Score insane.

Blurbz — Fri, 29 Mar 2013 18:20:15 GMT

Does the phone actually hang up on you or does it just say the computers are down and to call back later? If they say the thing about hte computers, stay on the line and you'll get a rep who has access to your CL. That's what happened to me a few days ago, at least. Good luck! Hope it's a good limit!

Re: AMEX Fico Score insane.

RyVision — Fri, 29 Mar 2013 18:33:33 GMT

@Anonymous wrote:
@youngandcreditwrthy wrote:
My TU Fico of 696, which got me approved for a BCE was exactly the TU08 Fico score Walmart had me at.
They triple pulled though
didn't you end up with a 3500 initial limit? that's really good for someone who got triple pulled.

Ryanbush;

You might be thinking of my approval amount. When Young was looking at applying I was posting in replies and mentioned I was approved for BLUE with a 3500CL with a score below 700 on just EX (after having a second card with them for over 6 months), don't remember what my score was exactly though. My approval was last May for BLUE, never did get a CLI after the 3x wait time though.

Re: AMEX Fico Score insane.

Anonymous — Fri, 29 Mar 2013 18:44:16 GMT

Did anyone else get FICO score on the approval letter with AMEX? I recently applied 2 cards (Gold PRG and Starwood) and only received the approvals via email and the card the next day. I did not see any letter with FICO on it.

Re: AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 18:59:33 GMT

@Blurbz wrote:
Does the phone actually hang up on you or does it just say the computers are down and to call back later? If they say the thing about hte computers, stay on the line and you'll get a rep who has access to your CL. That's what happened to me a few days ago, at least. Good luck! Hope it's a good limit!

I enter the last 4 of SS, then asks for Zip Code, Says thank you, then hangs up.

Tried last two days. I'm calling when I get off work, The suspense is killing me. I've waited since Sunday.

Re: AMEX Fico Score insane.

shakalaka — Fri, 29 Mar 2013 18:59:52 GMT

AFAIK you do not get the FICO with a charge card. There is no best terms for charge cards If you received the best APR for the SPG, then they do not have to provide the FICO.

Re: AMEX Fico Score insane.

WolfMan — Fri, 29 Mar 2013 19:01:45 GMT

@Anonymous wrote:
Did anyone else get FICO score on the approval letter with AMEX? I recently applied 2 cards (Gold PRG and Starwood) and only received the approvals via email and the card the next day. I did not see any letter with FICO on it.

Card the next day? Nice... I got approved last week on Saturday!

Still waiting....

Chase was Quick, Had the card in two days! Been waiting patiently for the AMEX to show up.

Re: AMEX Fico Score insane.

Blurbz — Fri, 29 Mar 2013 19:06:27 GMT

@WolfMan wrote:
@Blurbz wrote:
Does the phone actually hang up on you or does it just say the computers are down and to call back later? If they say the thing about hte computers, stay on the line and you'll get a rep who has access to your CL. That's what happened to me a few days ago, at least. Good luck! Hope it's a good limit!

I enter the last 4 of SS, then asks for Zip Code, Says thank you, then hangs up.
Tried last two days. I'm calling when I get off work, The suspense is killing me. I've waited since Sunday.

Oh, weird! Try their regular customer service instead of their new accounts. They should be able to look it up there, too. Amex customer service has lived up to its reputation for me: Every time I've had a simple question about any of my accounts, I can get anyone on the phone at any of their numbers and they can check into it for me.

Or....I guess you'll find out when it gets there! : )

Re: AMEX Fico Score insane.

Anonymous — Fri, 29 Mar 2013 19:08:39 GMT

Ah...My SPG APR is 15.24 for purchases. Not sure it's the best terms in their opinion.

I have the AMEX Blue Cash card at 12.24. I had it years ago.

Re: AMEX Fico Score insane.

RyVision — Fri, 29 Mar 2013 19:51:05 GMT

@Anonymous wrote:
Did anyone else get FICO score on the approval letter with AMEX? I recently applied 2 cards (Gold PRG and Starwood) and only received the approvals via email and the card the next day. I did not see any letter with FICO on it.

The score comes on a separate letter when you're approved with anything other than the best terms, it won't come in an email. You may be able to find a copy of it in your online documents folder however.