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Does Amex provide fico score after Approval/Denial or in both cases

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nfs_mw
New Contributor

Does Amex provide fico score after Approval/Denial or in both cases

 
Message 1 of 13
12 REPLIES 12
enharu
Super Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

They do after a denial, not sure about approval
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 13
Gunnar419
Valued Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

They do after an approval if you weren't given their best terms. Or so they did with my BCE. Not sure how that would be with charge cards.

 

Message 3 of 13
shakalaka
Established Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases


@Gunnar419 wrote:

They do after an approval if you weren't given their best terms. Or so they did with my BCE. Not sure how that would be with charge cards.

 


No FICO with charge cards. At least not in my case (two times).



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 4 of 13
Anonymous
Not applicable

Re: Does Amex provide fico score after Approval/Denial or in both cases

I was denied for BCE the first time I apped. I had a trains union FICO of 713, with only 7 months of credit history (no baddies).

I wanted to ap a second time but was afraid of another denial so I apped and was approved for the Blue Card, then I immediately PCed to BCE. I didn't get my FICO from AMEX during the second time.
Message 5 of 13
lg8302ch
Senior Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

for my BCP I did get EX Fico. But Citi did not give me the score for my recent approval...so this could be YMMV or best terms rule...hmm
Message 6 of 13
nfs_mw
New Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

That makes sense. So Amex gives Fico score if approved but with not best terms and on denial.

I am planning to apply for the BCE at the end of this month. Hoping I won't get my Fico score Smiley Surprised

Message 7 of 13
nfs_mw
New Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

Ok...But I didn't get any Fico score with my Costco Amex too

Message 8 of 13
L0RDAVENTAD0R
Frequent Contributor

Re: Does Amex provide fico score after Approval/Denial or in both cases

For approvals in my case, yes. Got approved for two of their revolvers. Got two letters saying congrats, etc. & my FICO score along with it.

Message 9 of 13
Fizzled
Valued Member

Re: Does Amex provide fico score after Approval/Denial or in both cases

I got an Experian Fico with my BCP. I wasn't offered their "Best Terms" with a 785.
Message 10 of 13
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