topic Re: Amex has a different Fico 8 Score in General Credit Topics

Amex has a different Fico 8 Score

DLynn1920 — Fri, 15 Jul 2022 01:24:03 GMT

Hi! This is my VERY FIRST post to the forum. I am very much interested in rebuilding my credit. I have one card with Amex, the Delta SkyMiles Blue card (approved 12/2021). I asked for a limit increase (6/2022) and was denied based on my fico score. Mind you this score got me approved in the first place. But never the less, in the Amex App, I check my score, and it is 15 points lower. And according to Amex, it is their Fico 8 score they use for approvals. This low score is hurting my chances of growing with Amex. What is happening?

thank you in advance for your help.

Re: Amex has a different Fico 8 Score

blindambition — Fri, 15 Jul 2022 01:55:57 GMT

Welcome to the forums!! Amex uses scores that may be a couple months old. A fresh pull costs lenders money, many will use an older copy they have on you. Always plan on that when you plan to ask for CLI. The most recent score you see in app is pulled once a month. You'll see the date.

I see you're rebuilding. If there's any derogs showing, Amex may not give a CLI until file is clean. 😊

Re: Amex has a different Fico 8 Score

DLynn1920 — Fri, 15 Jul 2022 02:01:08 GMT

That's helpful information. Thank you for that and the warm welcome

I am rebuilding my credit, and the scores I have now after cleaning up my credit report. The only derogatory account I have left is my fed student loan (that's a fight in itself).

Re: Amex has a different Fico 8 Score

FISHintheTank — Sat, 16 Jul 2022 06:05:20 GMT

I'm wondering why your scores are lower than mine. I have 7 collections a repo and a bunch of late payments. All are 5-6 years old. I do have a 2% Utilization. Is there something that dragged your scores down?

Re: Amex has a different Fico 8 Score

FireMedic1 — Sat, 16 Jul 2022 09:53:23 GMT

AMEX's free credit score is Vantage on their website. Not FICO. Apps are pulled from FICO yes. Theres your difference.

Re: Amex has a different Fico 8 Score

DLynn1920 — Sat, 16 Jul 2022 13:34:41 GMT

@FISHintheTank wrote:
I'm wondering why your scores are lower than mine. I have 7 collections a repo and a bunch of late payments. All are 5-6 years old. I do have a 2% Utilization. Is there something that dragged your scores down?

I have only one baddie on my CR and it is MAJOR, a charged-off student loan, and an AAOA at 1yr 1mo. I started with a 533 score one year ago. I'm rebuilding after a bankruptcy dropping off my credit report.

Re: Amex has a different Fico 8 Score

OmarGB9 — Sat, 16 Jul 2022 16:01:34 GMT

@FireMedic1 wrote:
AMEX's free credit score is Vantage on their website. Not FICO. Apps are pulled from FICO yes. Theres your difference.

No, they provide an EX FICO 8 as well:

Re: Amex has a different Fico 8 Score

JM427 — Sat, 16 Jul 2022 16:04:25 GMT

Amex actually supplies both. The Fico score is a little harder to find in the app and the web account screen whereas the vantage version is almost front and center when you log in.

Re: Amex has a different Fico 8 Score

SouthJamaica — Sat, 16 Jul 2022 17:37:25 GMT

@FireMedic1 wrote:
AMEX's free credit score is Vantage on their website. Not FICO. Apps are pulled from FICO yes. Theres your difference.

They have both Vantage and FICO scores on the website.

To access FICO score:

Account Services > Profile > View FICO Score

Re: Amex has a different Fico 8 Score

DLynn1920 — Sat, 16 Jul 2022 17:42:59 GMT

@OmarGB9 wrote:
@FireMedic1 wrote:
AMEX's free credit score is Vantage on their website. Not FICO. Apps are pulled from FICO yes. Theres your difference.
No, they provide an EX FICO 8 as well:

could you please tell me how you added the photo, because I can show how Amex and Experian have two different scores for the same date.

Re: Amex has a different Fico 8 Score

DLynn1920 — Sat, 16 Jul 2022 18:11:33 GMT

for me, Amex has an Experian Fico 8 Score of 655 for July 2022. The Experian app has 667 for July 2022.

What is causing such a difference?

Re: Amex has a different Fico 8 Score

OmarGB9 — Sat, 16 Jul 2022 19:59:37 GMT

@DLynn1920 wrote:

for me, Amex has an Experian Fico 8 Score of 655 for July 2022. The Experian app has 667 for July 2022.
What is causing such a difference?

The Experian app updates your EX score daily, Amex updates your EX score monthly. It'll say the date of the pull as you can see on my picture. Compare that date to the date of the 667 score on the Experian app. I bet you they're different dates.

To add pictures, above the reply box there's a camera icon you can click on and it'll let you choose between taking a picture with your phone camera, or choose from an existing picture in your files (if on mobile).

Re: Amex has a different Fico 8 Score

DLynn1920 — Sat, 16 Jul 2022 20:13:35 GMT

@OmarGB9 wrote:

To add pictures, above the reply box there's a camera icon you can click on and it'll let you choose between taking a picture with your phone camera, or choose from an existing picture in your files (if on mobile).

I don't see a camera option on my phone or my desktop. Maybe because I'm still a new member. Thank you for your help.

Re: Amex has a different Fico 8 Score

OmarGB9 — Sun, 17 Jul 2022 04:38:02 GMT

@DLynn1920 wrote:
@OmarGB9 wrote:

To add pictures, above the reply box there's a camera icon you can click on and it'll let you choose between taking a picture with your phone camera, or choose from an existing picture in your files (if on mobile).
I don't see a camera option on my phone or my desktop. Maybe because I'm still a new member. Thank you for your help.

Yes I believe you need to be the rank of "Member" before you can upload images.

Re: Amex has a different Fico 8 Score

FireMedic1 — Sun, 17 Jul 2022 10:42:02 GMT

@SouthJamaica wrote:
@FireMedic1 wrote:
AMEX's free credit score is Vantage on their website. Not FICO. Apps are pulled from FICO yes. Theres your difference.
They have both Vantage and FICO scores on the website.

To access FICO score:

Account Services > Profile > View FICO Score

@SouthJamaica @OmarGB9 Oh lets bury it way inside the settings instead of a link on the home page like it is for the Vantage score. Makes sense. Nuts. Thanks. #SMH#

Re: Amex has a different Fico 8 Score

Jordan23ww — Sun, 17 Jul 2022 11:42:38 GMT

I went through a very similiar thing when I tried to get an increase a few years ago. I was approved for my 1st Amex card, the Blue Cash Preferred in April 2020 with a Fico 8 Experian score of 720. After reading about being able to get a limit increase 3x your current limit at 61 days, at around 80 days I decided to request the increase.

At the time I requested the increase my Experian Fico 8 score was 735, even higher than when I was first approved. However I was denied my limit increase with the denial reason, "Your Fico score is too low". I was shocked because it was higher than my approved Fico score. I went on the Amex site and checked my Fico 8 score there and it was 707. It was then that I realized 1) Amex uses the Fico score on their site for soft pulls and 2) the score on their site can be 1 to 2 months old depending on when a request is made.

See a month and a half earlier, due to some new cards I added, my score had dipped slightly from 720 down to 707. At the time of my limit increase request the score had already bounced back higher because I had paid off some credit card balances, lowering my utilization across all my cards by a lot. The score on the Amex site wasn't reflecting these updates yet. Now whenever I want to apply for anything on Amex I check their site first to see what score they show. I waited 91 days and asked again and was approved for the limit increase. Best wishes to you when you ask again!

Re: Amex has a different Fico 8 Score

DLynn1920 — Sun, 17 Jul 2022 12:28:36 GMT

@Jordan23ww wrote:
I went through a very similiar thing when I tried to get an increase a few years ago... I went on the Amex site and checked my Fico 8 score there and it was 707. It was then that I realized 1) Amex uses the Fico score on their site for soft pulls and 2) the score on their site can be 1 to 2 months old depending on when a request is made...Now whenever I want to apply for anything on Amex I check their site first to see what score they show. I waited 91 days and asked again and was approved for the limit increase. Best wishes to you when you ask again!

This was an incredibly helpful account and I appreciate you sharing it. Now I know to how to proceed when trying to grow my accounts with Amex. Thank you

Re: Amex has a different Fico 8 Score

SouthJamaica — Sun, 17 Jul 2022 13:51:07 GMT

@DLynn1920 wrote:

for me, Amex has an Experian Fico 8 Score of 655 for July 2022. The Experian app has 667 for July 2022.
What is causing such a difference?

There's no such thing as a July score. It's for a specific single date in July. And it's unlikely Amex even has any July score on the site.

Experian.com updates daily and is therefore more accurate.

Re: Amex has a different Fico 8 Score

DLynn1920 — Sun, 17 Jul 2022 21:16:19 GMT

@SouthJamaica This is what I see in my Amex app. It has the date July 5th. The other score is my Experian score (only bumped up 2 pts in a month) from the Experian app.

Re: Amex has a different Fico 8 Score

OmarGB9 — Sun, 17 Jul 2022 23:07:54 GMT

What date is showing on the EX app?