Amex FICO update time frame? Please Help!

[Anonymous]

Ah very interesting, thanks for sharing. Any chance you tried recon with your new score? I’m sure you would’ve shared if so but figured I’d ask. I want to app to spend for SUB as quickly as possible hence the concern on my end. When I initially app’d score was real time. Had it been 30 days old bit would’ve been 25 Pts lower.

[Anonymous]

Here's an illustration of what I'm describing:

On November 10, 2017 my Amex account was updated to show my EX FICO 8 score as 680.  This was exactly the same as the scores I pulled from CreditCheckTotal and Experian CreditWorks on that same date:

CreditCheckTotal 11/10/17Experian CreditWorks 11/10/17

By November 27, my EX FICO had climbed to the 690s and I felt confident to apply for the PRG. My application was rejected and the letter I received online cited a pull from Experian on 11/4 with a score of 648.  This was even though my account showed my EX FICO as 680. So underwriting was using a score from 11/4 even though my account had been updated to the current score.

I then waited a month and reapplied on 12/28 and was successful; at that time my EX FICO was 698 

That's why my advice is to wait a few weeks after your score in your online account updates to ensure that underwriting is using the recent score and not some older score.

[Anonymous]

That was incredibly thorough. Thanks a bunch. I apologize if you said it already but I didn’t see, did you already have accounts with Amex when you did the PRG app? Very bizarre that they would not access up-to-date info. As I said, when I was a new applicant the scores used were new as of about a week before the app. My current is 640 and has updated to 675 so when I apply I want them to see the new score. Though I hope payment history/spend for the past few months may yield a potentially higher limit or approval with the lower score. Oy. Very frustrating lol

[Anonymous]

No, I didn't try to recon.  I applied online instead of through a CSR so I figured I'd just wait for the scores to update and it all worked out eventually.

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@Anonymouswrote:
Ah very interesting, thanks for sharing. Any chance you tried recon with your new score? I’m sure you would’ve shared if so but figured I’d ask. I want to app to spend for SUB as quickly as possible hence the concern on my end. When I initially app’d score was real time. Had it been 30 days old bit would’ve been 25 Pts lower.

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[Anonymous]

Yes, at the time I already had the BCE card  and I'd been a member of Amex since 1995 so all my info was already in their system.  Given your tight timelines perhaps you'd want to apply through a CSR and inform them of the updated score rather than through the automated system where there might be a higher probability of being declined.

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@Anonymouswrote:
That was incredibly thorough. Thanks a bunch. I apologize if you said it already but I didn’t see, did you already have accounts with Amex when you did the PRG app? Very bizarre that they would not access up-to-date info. As I said, when I was a new applicant the scores used were new as of about a week before the app. My current is 640 and has updated to 675 so when I apply I want them to see the new score. Though I hope payment history/spend for the past few months may yield a potentially higher limit or approval with the lower score. Oy. Very frustrating lol

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[Anonymous]

Very interesting! I didn’t know that was an option. Gotta love the forums! Perhaps I’ll do that tomorrow if my score updates. Very sincerely appreciated.

[Anonymous]

You can call 1-800-243-3888 to apply by phone; they are available from 6 a.m. to 2 a.m seven days a week.

[Anonymous]

So if AMEX says my score is 792, it's likely not the case? I would then have to wait another 30 days for it to update, if i was considrng applying for the Delta Gold Card? Also, are SP's only done if you're prequalified for a "certain" card? Thus means a HP if I applied? 

So many variables.