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Amex Credit Secure - Score Changes and new credit... ODD

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Creditaddict
Legendary Contributor

Amex Credit Secure - Score Changes and new credit... ODD

So just looking at alerts and was checking score changes over last 6 months that it shows since he did just get the FR with Amex.  Then I know the "What your score could do" is not totally accurate and usually don't do it the one thing I thought to be VERY ODD is no matter what I did, including paying off the current debt it shows of about $18k to under $500 it said score would still drop 17 points.  If the debt increased to $20-$25k which is the next scale from what they show him at now it lost the same points. (it's all 0% by the way!)

I closed accounts, opened accounts, aged accounts, reduced the 1 maxed out account it says to 0, I did every combo option it showed with resetting it after each thing and he lost anywhere from 17-22 points by next month rather he did nothing or did everything! LOL

 

It shows he has gone up and down between a 720 (Current last 30 days) to a high of a 760 in Feb.  Now all excellent the first thing that comes to mind is no wonder amex is spooked but actually looking back to when the 2nd amex card was added his score was right in the 720 according to credit scure.  It then went to 740, 760 somehow and for some reason and then all the way down to 720 again and then up in the 730-740 until this month back to the 720's.  Again I don't trust them all that much since it is plus but still was just interesting to see.

Message 1 of 8
7 REPLIES 7
LS2982
Mega Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD

I find my score rarely change on there at all. Smiley Indifferent




EQ FICO 548 3/3/16
Message 2 of 8
CardsLifeLine
Frequent Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD

Mee too my credit secure score always remained same for last 4 months. I had a total of 8 new credit card accounts in last 5 months and I still see no change what is ever with anex credit secure. Not sure what scoring middle it follows and what rules are configured .. Good thing is that it always shows me 734 my standard scores across all three credit buerue.
USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 3 of 8
Burned2manybridgesB4
Valued Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD

You guys aren't the only ones. Mine is flatlined since day one (and events that should've made it report like a roller coaster).

Message 4 of 8
Anonymous
Not applicable

Re: Amex Credit Secure - Score Changes and new credit... ODD

I don't even attention to the score anymore. Me dropping from 25% reported utilization down to 4% increased the score 3 points but 1 inquiry on TU on a 14 yr old file dropped it 10 points. Adding over $15k of available balance didn't change it at all.

Message 5 of 8
Burned2manybridgesB4
Valued Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD

It'd be a little more enthusiastic if the damn thing would move once in a while.Smiley Tongue

In my eyes, it's a keeper for the daily pulls.

Message 6 of 8
LS2982
Mega Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD


@Burned2manybridgesB4 wrote:

It'd be a little more enthusiastic if the damn thing would move once in a while.Smiley Tongue

In my eyes, it's a keeper for the daily pulls.


Thats exactly why I have it, unlimited 3 bureau pulls is awesome!




EQ FICO 548 3/3/16
Message 7 of 8
Burned2manybridgesB4
Valued Contributor

Re: Amex Credit Secure - Score Changes and new credit... ODD

..speaking of which..it's time for me. Smiley Happy

 

Ugh.. No update on Kay balance (took it to 13.8%), and the EO work from earlier hasn't shown on the tradelines yet (1/2), so I'll be getting points in a few...

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