Amex - When Does the Fico Score Update?

[DXness]

>> and put about $4-6k spend on the card a month, and pay down the balance.  I haven't always paid off the balance each month

This is highly likely the main reason they won't give you a CLI, you do want your score to be over 700, but payment behavior is of particular importance when it's Amex.  Amex makes its money from swipe fees, they are not about that interest game and do not like to see balances carried month-to-month.

You're so close to regaining a clean profile that I would honestly just wait until the last late drops and PIF every month until then.  The combo of both should get you a significant CLI.

[DebbsSeattle]

My score reported on my Amex account page seems to update once per week. The pops in my EXP F8 score appear to occur on Day X with Exp and reflect on Day X+1 on Amex. I am charting daily scores from all services I have access to...I need the positive reinforcement during this period of changing my spending habits.