topic Re: AmX No Longer Providing Free Monthly FICO Scores in General Credit Topics

AmX No Longer Providing Free Monthly FICO Scores

rbentley — Mon, 03 Dec 2018 21:07:17 GMT

My Amex online account has always shown a monthy FICO 8 score, based on Experian I think. I signed in today and the FICO score is gone, replace by MyCredit Guide which provides a VS 3 score based on TU. Is this the same for everyone? Am I just overlooking where the true FICO score is?

Re: AmX No Longer Providing Free Monthly FICO Scores

thornback — Mon, 03 Dec 2018 21:18:10 GMT

Hmmm... my FICO is still there from November 10th. Wonder if that will change come my December 10th update.

Did yours change upon updating this month's score or...?

Bad decision, imo, if they have decided to forgo providing FICO scores - it was a big plus for many amex card holders. I get my scores elsewhere anyway so it doesn't bother me much but still... And you'd think they'd send an email notification of this change.

Re: AmX No Longer Providing Free Monthly FICO Scores

rbentley — Mon, 03 Dec 2018 21:40:14 GMT

@thornback wrote:
Hmmm... my FICO is still there from November 10th. Wonder if that will change come my December 10th update.

Did yours change upon updating this month's score or...?

Bad decision, imo, if they have decided to forgo providing FICO scores - it was a big plus for many amex card holders. I get my scores elsewhere anyway so it doesn't bother me much but still... And you'd think they'd send an email notification of this change.

Yes, mine updates on the 3rd. Signed in today and FICO is gone replaced by MyCredit Guide and the VS.

Re: AmX No Longer Providing Free Monthly FICO Scores

thornback — Mon, 03 Dec 2018 21:43:39 GMT

Well then, I guess I'll be able to confirm on the 10th.

Re: AmX No Longer Providing Free Monthly FICO Scores

Anonymous — Mon, 03 Dec 2018 22:00:06 GMT

My FICO score updated on 11/21/18 and is still visible when accessing my account.

Honestly, the EX 08 score really doesn't hold much value at all at this point since one can obtain it for free through both creditscore.com and creditscorecard.com. It it was an EQ score or a different FICO model rather than Classic 8 however I do agree that losing it from Amex would suck.

Re: AmX No Longer Providing Free Monthly FICO Scores

Anonymous — Mon, 03 Dec 2018 22:39:04 GMT

Mine just updated on 11/28/18

Re: AmX No Longer Providing Free Monthly FICO Scores

RonM21 — Mon, 03 Dec 2018 22:50:08 GMT

Mine updated around the 23rd. I was on there yesterday and did not notice a change. We'll see what happens, but BBS brings up a good point in the availability of the Experian score elsewhere.

Re: AmX No Longer Providing Free Monthly FICO Scores

19eighty5 — Mon, 03 Dec 2018 23:07:39 GMT

My score updated on the 24th and still shows the FICO 8.

Re: AmX No Longer Providing Free Monthly FICO Scores

Anonymous — Mon, 03 Dec 2018 23:32:13 GMT

Hmm. Mine updated 12/1, and in the app it shows the accurate EX 08 as of that date right now (I just checked).

Re: AmX No Longer Providing Free Monthly FICO Scores

NRB525 — Mon, 03 Dec 2018 23:40:23 GMT

Mine updated as of December 1, using FICO 8 EX data “... is the same score used by American Express”.

797 for those scoring at home.

Editorial, not sure why they would deviate to anything other than EX FICO 8 since it seems all their historical HP, SP and related algorithms are aligned with EX FICO 8. But I suppose it is possible.

Re: AmX No Longer Providing Free Monthly FICO Scores

Medic981 — Mon, 03 Dec 2018 23:49:31 GMT

When I tried to check my FICO score on Amex I was redirected to American Express MyCredit Guide for my Free Credit Score and Report. Free credit score updates weekly upon log-in. Alerts to help detect identity fraud. Your detailed TransUnion® credit report. All with MyCredit Guide. All for free. I was shown a VantageScore.

Amex is offering CreditSecure for $16.95 a month with provides FICO Scores & Reports. Refresh your FICO Scores and 3-bureau credit reports every 30 days, receive alerts for changes in scores and reports, and access tools to help you understand which factors contribute to your score.

I guess Amex is trying to boost profits and selling CreditSecure which includes EX FICO score.

Re: AmX No Longer Providing Free Monthly FICO Scores

rbentley — Mon, 03 Dec 2018 23:51:50 GMT

I still get a FICO score off of the AmX app, but on my desktop it is no longer available and has been replaced with the MyCredit Guide with VS scores.

Re: AmX No Longer Providing Free Monthly FICO Scores

Anonymous — Mon, 03 Dec 2018 23:55:58 GMT

I just checked and my EX FICO score was updated on 12/1/2018.

That in itself is unusual; I have three Amex cards and the EX FICO score usually updates on the Statement Close date for each card.

Re: AmX No Longer Providing Free Monthly FICO Scores

9CLINE — Mon, 03 Dec 2018 23:56:04 GMT

Still Fico 08 here updated 11/28, so got awhile to see.

I had started trying that mycreditguide,but for me it doesn't show any info

Keep us posted on what's happening....

Re: AmX No Longer Providing Free Monthly FICO Scores

rbentley — Mon, 03 Dec 2018 23:56:06 GMT

I do still get the free FICO scores in the AmX app, mine updated on December 2nd. But on the desktop the FICO scores are no longer available and have been replaced with MyCredit Guide and it's Vantage Scores. not sure why there is now a difference between the mobile app and the desktop version. It appears that one is being phased out?

Re: AmX No Longer Providing Free Monthly FICO Scores

Streetervillelady — Tue, 04 Dec 2018 00:30:01 GMT

@Medic981 wrote:
When I tried to check my FICO score on Amex I was redirected to American Express MyCredit Guide for my Free Credit Score and Report. Free credit score updates weekly upon log-in. Alerts to help detect identity fraud. Your detailed TransUnion® credit report. All with MyCredit Guide. All for free. I was shown a VantageScore.

Amex is offering CreditSecure for $16.95 a month with provides FICO Scores & Reports. Refresh your FICO Scores and 3-bureau credit reports every 30 days, receive alerts for changes in scores and reports, and access tools to help you understand which factors contribute to your score.

I guess Amex is trying to boost profits and selling CreditSecure which includes EX FICO score.

My desktop login changed to 'American Expresss MyCredit Guide' since I made my payment this morning. But when I go to 'Account Services' and scroll down to 'Veiw My FICO Score' the old 'Your FICO® Score 8 based on Experian data is the same score used by American Express' page comes up.

Re: AmX No Longer Providing Free Monthly FICO Scores

Pikaboo-icu — Tue, 04 Dec 2018 01:12:15 GMT

My Credit Guide is offered for free even to non Amex members.

If you're looking under Menu/My account page, the links seem to be for MCG.

Use the "View Fico Score" from the list of links on your main account page & you should see your Fico 8.

If not, you can unenroll in the MCG from your account menu.

Re: AmX No Longer Providing Free Monthly FICO Scores

Anonymous — Tue, 04 Dec 2018 01:09:22 GMT

@RonM21 wrote:
Mine updated around the 23rd. I was on there yesterday and did not notice a change. We'll see what happens, but BBS brings up a good point in the availability of the Experian score elsewhere.

For anyone that hasn't yet signed up at creditscore.com or creditscorecard.com, if you do so 2 weeks apart you'll effectively be able to obtain your EX FICO 8 score every 2 weeks for free. Those scores refresh every 30 days. I suggest signing up for one on the 1st of the month, then the other on the 15th. Then going forward on every 1st/15th you'll have an updated EX FICO 8.

Re: AmX No Longer Providing Free Monthly FICO Scores

NRB525 — Tue, 04 Dec 2018 03:54:03 GMT

Sounds like we may have a difference of pathway, to get to the screen?

These are the steps I take:

Re: AmX No Longer Providing Free Monthly FICO Scores

Pikaboo-icu — Tue, 04 Dec 2018 04:18:23 GMT

@NRB525 wrote:
Sounds like we may have a difference of pathway, to get to the screen?
These are the steps I take:

Me too.

There is a path to credit score under menu/account as I posted above but it's going to the other service.

My guess was that's what is happening to the OP. /shrugs