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Amex FICO score

newtocredit
Established Member

Amex FICO score

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

 

Message 1 of 12
11 REPLIES 11
CS800
Super Contributor

Re: Amex FICO score

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.




Message 2 of 12
GregB
Valued Contributor

Re: Amex FICO score

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.

Message 3 of 12
newtocredit
Established Member

Re: Amex FICO score

yup it says the range 300 to 850

Message 4 of 12
CreditMuppet
Frequent Contributor

Re: Amex FICO score


@newtocredit wrote:

yup it says the range 300 to 850


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


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 5 of 12
CS800
Super Contributor

Re: Amex FICO score

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?




Message 6 of 12
GregB
Valued Contributor

Re: Amex FICO score


@newtocredit wrote:

yup it says the range 300 to 850


That would be a Classic FICO, not BankCard Option.

Message 7 of 12
SevenNEW
Established Contributor

Re: Amex FICO score


@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?


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

SevenNEW, Garden Nerd - In the Garden until 2015!
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Message 8 of 12
dharalex
Established Contributor

Re: Amex FICO score

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


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Current Score: 800
Goal Score: 850

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Message 9 of 12
winstars
Regular Contributor

Re: Amex FICO score

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??? 



Starting Score: TU-685 (FICO) EQ-674 (FICO) EX-713 (PLUS SCORE FAKO)
Current Score: TU-800 (FICO) EQ-812 (FICO) EX-800 (PLUS SCORE FAKO)
Goal Score: 815


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Message 10 of 12
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