Annoyed with AMEX FICO Score

[Anonymous]

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@A1Credit wrote:

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@Anonymous wrote:

For me the FICO score has always been updated two days after the statement cut, I also noticed that if you have more than one account with AMEX, they tend to pull your FICO scores at least twice in one month. They do so for me. When I was approved for my 91 days CLI, it was based on my score from the previous month, eventhough the last pulled FICO was already 5 points higher. Then this past Sept. I applied and got approved for my third Amex, the Blue Delta, they also pulled my FICO from the previous month, although they already updated my FICO to be 734, they approved the limit increase from when my scores where 10 points lower. So I guess their internal risk score weighs in more than what the usual FICO score shows them.

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I hate the inconsistency and I would prefer lenders use your current score instead of relying on old information but I guess if I had a point drop for some reason, I would not complain.  I'm really hoping that I have a good internal score with them and that will get me the increase.  I'm going to wait until Saturday to request.  Hoping for patience.

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Yes patience and good account management is key for any AMEX account. wishing you luck and hope you get that CLI

[A1Credit]

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@Anonymous wrote:

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@A1Credit wrote:

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@Anonymous wrote:

For me the FICO score has always been updated two days after the statement cut, I also noticed that if you have more than one account with AMEX, they tend to pull your FICO scores at least twice in one month. They do so for me. When I was approved for my 91 days CLI, it was based on my score from the previous month, eventhough the last pulled FICO was already 5 points higher. Then this past Sept. I applied and got approved for my third Amex, the Blue Delta, they also pulled my FICO from the previous month, although they already updated my FICO to be 734, they approved the limit increase from when my scores where 10 points lower. So I guess their internal risk score weighs in more than what the usual FICO score shows them.

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I hate the inconsistency and I would prefer lenders use your current score instead of relying on old information but I guess if I had a point drop for some reason, I would not complain.  I'm really hoping that I have a good internal score with them and that will get me the increase.  I'm going to wait until Saturday to request.  Hoping for patience.

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Yes patience and good account management is key for any AMEX account. wishing you luck and hope you get that CLI

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@Anonymous @Anonymous!