topic Re: Amex BCP Credit Score in General Credit Topics

Amex BCP Credit Score

arealswellgirl — Tue, 08 Jun 2021 03:37:07 GMT

I've seen numerous posts about people referencing their Amex Fico score, but they've only given me and my husband a TU Vantage score 3. Does anyone know if it's specific to the card or the person's profile whether they give a VS or a Fico? Or maybe it's score specific?

For reference I have a BCP with $2k CL (just approved last month) and Amex VS 3 score shows me at 722 (all 3 bureaus are showing Fico 8s in the 680s). Husband's is a Cash Magnet with a $7,600 CL and has had it since November. His EX 8 is 687 and his Amex VS3 is 712. Maybe I missed seeing that the Fico score is card specific and Fico isn't provided for these cards?

Re: Amex BCP Credit Score

FinStar — Tue, 08 Jun 2021 07:26:27 GMT

Are you referring to the Experian FICO score that AmEx provides on your online account?

Re: Amex BCP Credit Score

Anonymous — Tue, 08 Jun 2021 08:06:22 GMT

Are you logging in online or through the app? I also have BCP and normally access my account through the app. Clicking on Account at the bottom shows a list, with the FICO Score option near the bottom. That gives me my Experian FICO 8 score. However, accessing my account online gives me my VantageScore 3.0 through their "MyCredit Guide". While I could see type of score being card specific, I haven't read anything about score availability being profile/score specific. Since we both have BCP, give the app a peek.

Re: Amex BCP Credit Score

Ficoproblems247 — Tue, 08 Jun 2021 13:59:04 GMT

Re: Amex BCP Credit Score

SouthJamaica — Tue, 08 Jun 2021 21:19:08 GMT

@arealswellgirl wrote:
I've seen numerous posts about people referencing their Amex Fico score, but they've only given me and my husband a TU Vantage score 3. Does anyone know if it's specific to the card or the person's profile whether they give a VS or a Fico? Or maybe it's score specific?

For reference I have a BCP with $2k CL (just approved last month) and Amex VS 3 score shows me at 722 (all 3 bureaus are showing Fico 8s in the 680s). Husband's is a Cash Magnet with a $7,600 CL and has had it since November. His EX 8 is 687 and his Amex VS3 is 712. Maybe I missed seeing that the Fico score is card specific and Fico isn't provided for these cards?

If you're accessing it on the web, go to Account Services > Profile > View FICO Score [near the bottom]. It will give you your EX FICO 8.

Re: Amex BCP Credit Score

babygirl1256 — Wed, 09 Jun 2021 03:36:13 GMT

Ficoproblems247 ~ Thanks for posting . . . I couldn't figure out where to find the FICO score previously!!!

Re: Amex BCP Credit Score

Anonymous — Wed, 09 Jun 2021 06:38:08 GMT

@Ficoproblems247 wrote:

For reference as an AU, it looks like they only offer the fico score for the primary account holder as that doesn't show for me in the location you shared.

Re: Amex BCP Credit Score

arealswellgirl — Wed, 09 Jun 2021 05:16:26 GMT

Omg you guys, thank you soo much!! I would have never figured this out; I feel a little silly but am so glad I asked! I was only using Chrome instead of the app because my phone has enough apps on it as it is 😅 I did try both the app and through Chrome and both work!

You all are the greatest, I love this place ❤

Re: Amex BCP Credit Score

jcooks — Wed, 09 Jun 2021 12:29:22 GMT

It is much much easier to find on the app. In the beginning I couldn't find it on the website whatsoever.

Re: Amex BCP Credit Score

Anonymous — Wed, 09 Jun 2021 12:59:32 GMT

Agreed - they make it much more straight forward in the app. I made it to account services, but I guess it didn't occur to me to search for it in Profile.

Don't be embarrassed, OP. More than one of us learned something new from your question!