Amex FICO score

[newtocredit]

hi guys,

i recently got approve for amex blue cash.  in the acceptance letter it said my FICO score was 740 from experian.

questions:

1.is this the real fico score not fako?

2. how good is a score of 740 i am relatively new to credit.

thanks

[CS800]

The crazy part for me is that I just received the card. There was no FICO score anywhere mentioned although i did see an EQ hard inq only.

[GregB]

I recall that Amex is giving the BankCard Industry Score of v2 EX FICO. Did it quote a score range? I think it will say 250-900.

If that is true, then 740 is a bit above the median which is about 720.

[newtocredit]

yup it says the range 300 to 850

[CreditMuppet]

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@newtocredit wrote:

yup it says the range 300 to 850

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Yup that's a real EX FICO! 750 is generally regarded as 'Excellent' so pretty good.

[CS800]

I'm starting to wonder if someone gets their FICO only if the yare applied for credit card as opposed to a charge card. My card came and ther ewas no mention of any credit score. Is that normal?

[GregB]

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@newtocredit wrote:

yup it says the range 300 to 850

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That would be a Classic FICO, not BankCard Option.

[SevenNEW]

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@CS800 wrote:

I'm starting to wonder if someone gets their FICO only if the yare applied for credit card as opposed to a charge card. My card came and ther ewas no mention of any credit score. Is that normal?

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I got a credit a month ago, but no FICO (sigh).

[dharalex]

Me too! I got a charge and a credit card last month...no score.

[winstars]

Didn't I read here that if you get the best terms (low APR) you don't get a score and if you don't get the best terms (higher APR) thats when you get a score???