topic Re: AMEX My Credit Guide in General Credit Topics

AMEX My Credit Guide

Anonymous — Tue, 19 Jun 2018 15:39:59 GMT

Hello everyone! So AMEX has this new thing, My Credit Guide, which is a free service that let's you use your score, they pull a Transunion/Vantage Score, seems like a good program...

Re: AMEX My Credit Guide

sarge12 — Tue, 19 Jun 2018 15:57:02 GMT

@Anonymous wrote:
Hello everyone! So AMEX has this new thing, My Credit Guide, which is a free service that let's you use your score, they pull a Transunion/Vantage Score, seems like a good program...

I fail to see how this is anything more than what is already available at credit karma. It seems to be yet another source to get a VS3.0, which is used by no lenders that I know of. It costs nothing, and is probably worth every penny! I'm not really a fan of VS3.0, or sites that provide those scores anymore.

Re: AMEX My Credit Guide

Anonymous — Wed, 20 Jun 2018 02:43:58 GMT

what sarge said. If it really uses vantage 3.0 no thanks.

Re: AMEX My Credit Guide

Anonymous — Wed, 20 Jun 2018 17:36:20 GMT

That seems odd too, why would Amex even waste time on offering Vantage when they don't use it themselves? lol

Besides, i thought that they already tell you your Fico score on statements? Not to emntion Discover also offers Fico scores.

Re: AMEX My Credit Guide

sarge12 — Wed, 20 Jun 2018 19:32:52 GMT

@Anonymous wrote:
That seems odd too, why would Amex even waste time on offering Vantage when they don't use it themselves? lol

Besides, i thought that they already tell you your Fico score on statements? Not to emntion Discover also offers Fico scores.

This is not for amex customers, it is a free to anyone service provided by amex, and likely mainly so they can see their credit profile to make targeted pre-qual offers on their credit cards. Sort of like credit karma with only amex offers. At least the free for everyone site provided by Discover (creditscorecard.com) provides an actual fico08 score that is useful. It is sad that AMEX decided to go on the cheap by only providing the VS3.0 that can be obtained almost anywhere. So far, the only major card issuer I know of to provide free fico08 for non card holders is Discover. I hope they continue this practice and hope it is done by other issuers. It would be great if one provided equifax fico08.

Re: AMEX My Credit Guide

Anonymous — Fri, 22 Jun 2018 21:00:00 GMT

Yeah kinda like Chase using Vantage Scores...