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AMEX.com FICO Score Updates

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UncleB
Credit Mentor

Re: AMEX.com FICO Score Updates


@Nova5041 wrote:
Yeah same here, haven't had a update since April 2nd. But Amex has always been slow and inconsistent with fico score updates, but this is the longest I have waited.

Hmm... my last update was also on April 2nd. 

 

At least we both know we're not the only ones! 

 

I learned long ago it's always better when more people are impacted by a glitch, since it gets more attention (and usually gets corrected faster).  Hopefully we'll get our update in the next few days.

Message 21 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates


@UncleB wrote:

@Anonymous wrote:

@Anonymous wrote:

Does anyone know how often the americanexpress.com "View My FICO" score page updates?  I called AMEX today and the guy was definitely clueless... He stated at first that it was quarterly.  He then changed his name and informed me that it only updates if there is a change and evidently my scores haven't changed. I know it is an EXP FICO that is shown on there and based on MyFico 08 and CCT my EXP

has risen since April 02 which was the last update. 

 

Any additional info is appreciated!  Thanks!


It was monthly until 2nd of April (last one I got, as well), and that didn't turn up for about a week (I don't think it was available until the 9th or 10th).  Another one is due, but I haven't seen anything yet.

 


+1

 

This is me as well; I'm on the exact same update schedule.  Smiley Wink

 

Since my last baddie dropped off on the 1st, I'm looking forward to a significant bump in my score (EX is the only one I don't have a current FICO on).  I'm also due for another attempt at a CLI in a couple of days... while I'm not expecting results, I'm going to wait for the new SP to show up before I try.

 

Hopefully it won't be too much longer! 


Good luck UncleB!

Message 22 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates


@Anonymous wrote:

Does anyone know how often the americanexpress.com "View My FICO" score page updates?  I called AMEX today and the guy was definitely clueless... He stated at first that it was quarterly.  He then changed his name and informed me that it only updates if there is a change and evidently my scores haven't changed. I know it is an EXP FICO that is shown on there and based on MyFico 08 and CCT my EXP

has risen since April 02 which was the last update. 

 

Any additional info is appreciated!  Thanks!


Have you been using the card? My Discover IT didn't update monthly when there wasn't activity on my card. I hope you figure it out. Best of luck!

Message 23 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates


@Anonymous wrote:

Well I LOST my patience and decided to give it a go.  These were two of the final cards I wanted to add to my portfolio.  I am very glad that I received favorable decisions on both.  I applied first for the BCE and received message that it was being reviewed and I would get a decision by mail within 14 days. When logging into AMEX application status it asked that I callback in 24 hours.  I called and the first rep stated it had not been 24 hours and for me to callback.  Immediately hung up and called back this time rep asked to verify my Name, DOB and address.  Came back with a "Congrats you are approved for $5,000.00 and I don't want to make you wait so I will expedite the shipment of your card"!  I almost fell out of my chair.

 

I then continued with the last card I've been wanting and went for the AMEX PRG.  Filled it out and hit submit.... same message as BCE that I would be notified via mail in 14 days.  I logged into AMEX application status and same 24 hours message.  This message was very different from all my prior denials which stated a decision would be made and I would be notified in "7-14 days".

 

I decided to call in and was answered by a very professional CSR as well who verified the same info, she stated my app was only put on hold because they wanted to verify it was actually me applying.  She hit a few keys and came back also with a "Congrats you are approved and I'd had to make you wait so you will have your card in 72 hours"!

 

WOW... when logging into AMEX.com I am still seeing 663 even though I know I'm at 682 and I still haven't received the notice from MyFico or EXP for the HPs although I know I will soon.

 

Overall I am estatic!  Whenever my FICO finally updates I'll post on the thread.

 


Congrats on both of your approvals!!!

Message 24 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates


@Anonymous wrote:

Mine has been pulling the 29th (or occasionally the 30th) of the month through February.  The next one was 2 April (none for March) which showed up a week later (around the 8th of April) and had a **63 POINT** decrease for no reason I know of.  Up to that time, NONE of my other reports showed anything other than a couple of point drop.

 

AMEX IMMEDIATELY slashed my CL to literally $50 above my balance.  (As I had another payment on the way, it gave me some breathing room).  Before I could react and make a sizable payment (half of the balance, which I was not planning on, as I am at 0% APR until the end of the year), that 93% util reported to the bureaus.

 

It is now 13th of May, five days beyond the date last month when my FICO generated with them, so I am understandably anxious to see what this report will look like.

 

I had planned to write up a post here with the data points, and see if anyone had any advice (this literally happened my first morning back at work after having 4 days off, and I have been too busy since to follow up).  I am concerned that calling in for a recon or requesting a CLI (due next week) might open myself up to further AA (as I have no idea what would have caused such a drop.  I have pulled at least two CRs since, one of them being the EX that AMEX uses, and there is nothing unexpected on there)

 

So, yes, I am understandably being VERY impatient waiting for them to update my FICO so I can see where I now stand.

 


I'm sorry this happened to you and I hope you are able to resolve the issue(s). Hopefully, it's an error that can be corrected with very little effort on your part. Please keep us updated.

Message 25 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates


@Anonymous wrote:

Ok so some feedback for the group.  After applying and getting approved for both the AMEX BCE and PRG last week on 5/12 my FICO online is now updated with 5/12 on americanexpress.com.

 

It appears the hard pulling of credit (only 1 HP for both cards) has prompted the updated online.  Just wanted the group to be aware.


Thanks for the data point!

Message 26 of 97
SouthJamaica
Mega Contributor

Re: AMEX.com FICO Score Updates


@Anonymous wrote:

Does anyone know how often the americanexpress.com "View My FICO" score page updates?  I called AMEX today and the guy was definitely clueless... He stated at first that it was quarterly.  He then changed his name and informed me that it only updates if there is a change and evidently my scores haven't changed. I know it is an EXP FICO that is shown on there and based on MyFico 08 and CCT my EXP

has risen since April 02 which was the last update. 

 

Any additional info is appreciated!  Thanks!


1. In my experience, it hasn't had anything to do with whether or not the score changes, and it changed approximately once a month, showing scores that are from 1 to 3 weeks earlier.

 

2. However, when I looked at it just now, it showed a more recent score from just a few days ago, so possibly they're changing their policies on the score updates.

 

3. I did have a hard pull recently, but that was reported on May 2nd, and this score is from May 14th.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 27 of 97
UncleB
Credit Mentor

Re: AMEX.com FICO Score Updates

I think there's something to that old saying, "A watched pot never boils"...still no update for me.  Smiley Frustrated

 

I don't think it's ever been this late before.  And just to think any other month it wouldn't even matter... LOL.

 

Bang-Head_zpsc10wcxkz.gif

Message 28 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates

Mine has not updated either.  I agree, they know we are watching for it to update Smiley Happy

Message 29 of 97
Anonymous
Not applicable

Re: AMEX.com FICO Score Updates

I haven't checked my score, but there are other issues on the Amex site. My EDP 'how many transactions to your bonus' was off last statement month and is stuck again. I chatted to ask about it and the CSR was clueless. I figured I'll just deal with it if they don't record right when it's time for the extra .5%

Message 30 of 97
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