topic Re: AMEX has changed to TransUnion in General Credit Topics

AMEX has changed to TransUnion

Streetervillelady — Fri, 12 Jun 2020 21:30:56 GMT

I made a payment on the AMEX website today. They must have stopped using Experian in the last few weeks. When I went to check my score I was re-directed to VantageScore 3.0 by TransUnion.

Re: AMEX has changed to TransUnion

Anonymous — Fri, 12 Jun 2020 21:42:22 GMT

@Streetervillelady wrote:
I made a payment on the AMEX website today. They must have stopped using Experian in the last few weeks. When I went to check my score I was re-directed to VantageScore 3.0 by TransUnion.

@Streetervillelady No they haven't.

If you click on Account Services, then on the "View FICO Score" tile you will still see your Experian FICO 8 score.

Re: AMEX has changed to TransUnion

Brian_Earl_Spilner — Fri, 12 Jun 2020 21:42:07 GMT

They use it for their credit monitoring program. They still use EX8. It's in the account services menu

Re: AMEX has changed to TransUnion

coldfusion — Fri, 12 Jun 2020 21:53:02 GMT

@Streetervillelady wrote:
I made a payment on the AMEX website today. They must have stopped using Experian in the last few weeks. When I went to check my score I was re-directed to VantageScore 3.0 by TransUnion.

You fell victim to a change they made last year, the link on each card's splash page now redirects you to view your TU Vantage score.

Others have already shown where AMEX relocated the link to display your current and historical FICO 8 scores.

Re: AMEX has changed to TransUnion

Anonymous — Fri, 12 Jun 2020 23:45:50 GMT

@Brian_Earl_Spilner wrote:
They use it for their credit monitoring program. They still use EX8. It's in the account services menu

Lol. Mine "flashes" VIew Fico Score for 1/10 sec then switches to view credit score.

If I __HAPPEN_ to click it before it changes (do you realize how many times I had to reload the page to be successful at that?) i get my fico score. Otherwise it sends me to the TU junk.

Thankfully the ios app still prominently says FICO on the menu.

Re: AMEX has changed to TransUnion

Streetervillelady — Sat, 13 Jun 2020 00:23:12 GMT

@Anonymous wrote:
@Streetervillelady wrote:
I made a payment on the AMEX website today. They must have stopped using Experian in the last few weeks. When I went to check my score I was re-directed to VantageScore 3.0 by TransUnion.

@Streetervillelady No they haven't.

If you click on Account Services, then on the "View FICO Score" tile you will still see your Experian FICO 8 score.

Hi @Anonymous That's just what I did (laptop). Site gets weird, my Gold Card image changes color, re-directs to 'American Express | My Credit Guide' by TU.

Re: AMEX has changed to TransUnion

Curious_George2 — Sat, 13 Jun 2020 00:37:23 GMT

@Anonymous wrote:
Lol. Mine "flashes" VIew Fico Score for 1/10 sec then switches to view credit score.

If I __HAPPEN_ to click it before it changes (do you realize how many times I had to reload the page to be successful at that?) i get my fico score. Otherwise it sends me to the TU junk.

Thankfully the ios app still prominently says FICO on the menu.

OMG, you're right! I never noticed how quickly it switches from View FICO Score to View Credit Score. Did they do that on purpose? If so, that's lame.

But yes, @Streetervillelady , the link to the FICO score is stable on the mobile app. If that's not an option for you, try positioning your mouse in the place where View Credit Score is, then refresh the page with a keystroke (F5 on Windows) and rlyquicklyclick whatever appears there as soon as it appears. If you time it right, you win a FICO score! It's part carnival game, part credit maintenance. Hooray!

Re: AMEX has changed to TransUnion

Streetervillelady — Sat, 13 Jun 2020 00:38:21 GMT

Lucky you! No soup for me!

Re: AMEX has changed to TransUnion

Brian_Earl_Spilner — Sat, 13 Jun 2020 00:45:27 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
They use it for their credit monitoring program. They still use EX8. It's in the account services menu

Lol. Mine "flashes" VIew Fico Score for 1/10 sec then switches to view credit score.

If I __HAPPEN_ to click it before it changes (do you realize how many times I had to reload the page to be successful at that?) i get my fico score. Otherwise it sends me to the TU junk.

Thankfully the ios app still prominently says FICO on the menu.

You can go to Account Services>Profile and scroll to the bottom of the info. There's a normal link there. That's actually where you initially had to go when they started pushing people to the VantageScore. It seems you're one of the few still affected. You could try deleting the cookies or clearing the cache to see if it goes away. Or, just go the route I just showed you.

Re: AMEX has changed to TransUnion

Streetervillelady — Sat, 13 Jun 2020 00:49:26 GMT

@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:
They use it for their credit monitoring program. They still use EX8. It's in the account services menu

Lol. Mine "flashes" VIew Fico Score for 1/10 sec then switches to view credit score.

If I __HAPPEN_ to click it before it changes (do you realize how many times I had to reload the page to be successful at that?) i get my fico score. Otherwise it sends me to the TU junk.

Thankfully the ios app still prominently says FICO on the menu.
You can go to Account Services>Profile and scroll to the bottom of the info. There's a normal link there. That's actually where you initially had to go when they started pushing people to the VantageScore. It seems you're one of the few still affected. You could try deleting the cookies or clearing the cache to see if it goes away. Or, just go the route I just showed you.@e

@Brian_Earl_Spilner Thank you kind Sir. The profile route worked.

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 00:53:22 GMT

@Streetervillelady wrote:
Hi @Anonymous That's just what I did (laptop). Site gets weird, my Gold Card image changes color, re-directs to 'American Express | My Credit Guide' by TU.
SL

Mine is similar. Seems like they are trying to phase out the free FICO score... which really stinks.

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 10:11:09 GMT

@Brian_Earl_Spilner wrote:
You can go to Account Services>Profile and scroll to the bottom of the info. There's a normal link there.

Thank you, @Brian_Earl_Spilner . I found it there at the bottom and it worked fine on desktop.

On the desktop site, 'View Credit Score' under Account Services is now linking to the Vantage Score 3.0 site:

https://freecreditscore.americanexpress.com/mycreditguide/enroll.do

Re: AMEX has changed to TransUnion

Save-n-Invest — Sat, 13 Jun 2020 15:53:35 GMT

I noticed the change for the first time yesterday. Prior to then FICO was available under account services. No luck getting FICO. After several reloads I saw FICO flash but no way to click that quickly.

It's always something with Amerian Express. Why can't they just be normal like the other issuers?

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 16:40:53 GMT

@Streetervillelady wrote:
@Anonymous wrote:
@Streetervillelady wrote:
I made a payment on the AMEX website today. They must have stopped using Experian in the last few weeks. When I went to check my score I was re-directed to VantageScore 3.0 by TransUnion.

@Streetervillelady No they haven't.

If you click on Account Services, then on the "View FICO Score" tile you will still see your Experian FICO 8 score.
Hi @Anonymous That's just what I did (laptop). Site gets weird, my Gold Card image changes color, re-directs to 'American Express | My Credit Guide' by TU.
SL

That is a bit odd. I just checked and on my laptop I have the "View FICO Score" tile visible on the Accounts Services Page.

I can also click on the "Profile" sub-heading in the left-hand column, then scroll down and it shows me the options to Update Your Income & View FICO Score.

Re: AMEX has changed to TransUnion

Curious_George2 — Sat, 13 Jun 2020 19:42:42 GMT

I join the chorus of people hoping Amex doesn't ditch the FICO score, but objectively it wouldn't really matter. Experian.com gives the same score, for free, updated whenever there's a change. I kinda use the Amex one as a cross-check, to ensure Experian is still giving me timely updates, but that's an OCD hobbyist's luxury.

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 20:19:20 GMT

@Anonymous wrote:
That is a bit odd. I just checked and on my laptop I have the "View FICO Score" tile visible on the Accounts Services Page.

I have that as well, but it now links to the Amex MyCreditGuide/VS3 site.

Did yours just show the regular FICO score like under the Profile link?

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 20:41:07 GMT

@Anonymous wrote:
@Anonymous wrote:
That is a bit odd. I just checked and on my laptop I have the "View FICO Score" tile visible on the Accounts Services Page.
I have that as well, but it now links to the Amex MyCreditGuide/VS3 site.

Did yours just show the regular FICO score like under the Profile link?

I have four Amex cards; the three personal cards all display the "View FICO Score" tile on each of their Account Services pages, and when clicked it shows the most recent Experian FICO 8 score just as if I had clicked the Profile link in the side bar and scrolled down. The business card does not show the FICO score tile, nor is their a link to the FICO score under Profile; the only link there is to Update Income.

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 21:25:00 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
That is a bit odd. I just checked and on my laptop I have the "View FICO Score" tile visible on the Accounts Services Page.
I have that as well, but it now links to the Amex MyCreditGuide/VS3 site.

Did yours just show the regular FICO score like under the Profile link?
I have four Amex cards; the three personal cards all display the "View FICO Score" tile on each of their Account Services pages, and when clicked it shows the most recent Experian FICO 8 score just as if I had clicked the Profile link in the side bar and scrolled down. The business card does not show the FICO score tile, nor is their a link to the FICO score under Profile; the only link there is to Update Income.

Well that's interesting. I still have the same hover-over link to mycreditguide for the 'View FICO Score' tile that I posted earlier.

It's also redirecting through

https://sso.americanexpress.com/ssofedi/public/saml2sso?gotoOnFail=https://sso.americanexpress.com/ssofedi/error/SamlFailureError.html (Single Sign-On / Security Assertion Markup Language )

before landing on

https://www.mycreditguide.americanexpress.com/CreditView/dashboard.page?enterprise=MyCreditGuide

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 21:56:07 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
That is a bit odd. I just checked and on my laptop I have the "View FICO Score" tile visible on the Accounts Services Page.
I have that as well, but it now links to the Amex MyCreditGuide/VS3 site.

Did yours just show the regular FICO score like under the Profile link?
I have four Amex cards; the three personal cards all display the "View FICO Score" tile on each of their Account Services pages, and when clicked it shows the most recent Experian FICO 8 score just as if I had clicked the Profile link in the side bar and scrolled down. The business card does not show the FICO score tile, nor is their a link to the FICO score under Profile; the only link there is to Update Income.
Well that's interesting. I still have the same hover-over link to mycreditguide for the 'View FICO Score' tile that I posted earlier.

It's also redirecting through
https://sso.americanexpress.com/ssofedi/public/saml2sso?gotoOnFail=https://sso.americanexpress.com/ssofedi/error/SamlFailureError.html (Single Sign-On / Security Assertion Markup Language )
before landing on
https://www.mycreditguide.americanexpress.com/CreditView/dashboard.page?enterprise=MyCreditGuide

They are likely A/B testing it and/or rolling it out to folks slowly.

Mine says FICO for about 1/10 second before switching to Credit Score... I haven't delved in to the javascript to go find the point it is replacing it, but it really seems like they are testing it out to see if it is going to be well received.....

I don't plan on letting it be well received from me.

Re: AMEX has changed to TransUnion

Anonymous — Sat, 13 Jun 2020 22:18:08 GMT

@Anonymous wrote:
Mine says FICO for about 1/10 second before switching to Credit Score... I haven't delved in to the javascript to go find the point it is replacing it, but it really seems like they are testing it out to see if it is going to be well received.....

I set a breakpoint on that span in the built-in Firefox debugger and was able to see the switch this time. Just like you said, it says FICO first.

I can still see the FICO score under the Profile section anyway.