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Getting EX FICO from Amex

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bichonmom
Senior Contributor

Getting EX FICO from Amex

Many here have said that when you app for an Amex revolver and don't get their best terms, you'll get a letter with your FICO score mailed separately from your card.

 

My card came on Tuesday. It looks like Costco Amex only has one interest rate, but I only got a $2k limit, so I was hoping that I would get the letter and finally know what my EX FICO is. (It's driving me CRAZY!) I thoroughly looked through the papers sent with my card, and it wasn't there. There were only standard enclosures sent with CCs (rates, privacy notice, etc.).

 

So, I was wondering about how long after you got your Amex card did you receive your FICO. Was it sent with the interest rates and other papers? I've been keeping an eye out, but so far nothing else has arrived.

 

Any thoughts? Does it look like you don't get  your FICO with the Costco Amex?

 

Thanks! Smiley Happy

 

 

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 1 of 39
38 REPLIES 38
Anonymous
Not applicable

Re: Getting EX FICO from Amex

I think they may have stopped sending the EX.  When I got my Clear back in April 2011, my EX score came in the same envelope.  When I got BCE last month, I didn't get the best terms and I also didn't get an EX score.  A few others here have had the same experience.  Smiley Sad


Message 2 of 39
emptypockets
Valued Contributor

Re: Getting EX FICO from Amex

When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 3 of 39
improvingmycredit
Valued Contributor

Re: Getting EX FICO from Amex

Hello Bich -

It is only required by law that the issuing company give you a "score" if you do not meet the credit requirements for the best terms for the credit product you are applying.  So in this case, because the Amex Costco only has one APR available to applicants, you will not get your EX FICO from Amex.  Now if there were several tiers of APRs available for the Costco and you didn't qualify for the lowest APR tier, then you would have recieved the EX FICO.  Sorry.  Smiley Sad

 

Edit:  Grammar again.  Smiley Sad


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 4 of 39
xboxrunner
Regular Contributor

Re: Getting EX FICO from Amex

I recently recieved Amex BCE card, and about a week before getting the card they sent a seperate mailing indicating my Experian Fico score. So I can confirm they still mail out scores.

Transunion - 820 (9/8/21)
Equifax Fico 8 - 832 (9/8/21)
Vantagescore - 821 (3/20/21)
Message 5 of 39
bichonmom
Senior Contributor

Re: Getting EX FICO from Amex


@emptypockets wrote:
When I got BCP ( Last month), I got a letter with my credit score in a separate envelope. It came the same day as the card. It looks like a form denial letter, and has your credit score and what bureau they pulled on the back. Did you get an approval emai? The letter was also an attachment to the email that said I was approved.

The email did not have any attachments. Smiley Sad

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 6 of 39
bichonmom
Senior Contributor

Re: Getting EX FICO from Amex


@improvingmycredit wrote:

Hello Bich -

It is only required by law that the issuing company give you a "score" if you do not meet the credit requirements for the best terms for the credit product you are applying.  So in this case, because the Amex Costco only has one APR available to applicants, you will not get your EX FICO from Amex.  Now if there were several tiers of APRs available for the Costco and you didn't qualify for the lost APR tier, then you would have recieved the EX FICO.  Sorry.  Smiley Sad


I thought because I got such a low limit, that would be considered "not the best terms." D@mn. I SO wanted my EX FICO. I have NO idea what it is. It could be 650, it could be 750. Not the foggiest clue. And I'm guessing that it's not THAT high, because they gave me such a low CL w/Costco. I'm glad I got the card, but I almost would rather have had my EX FICO!!! Smiley Frustrated Maybe I should move to Pennsylvania. Smiley Surprised

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 7 of 39
improvingmycredit
Valued Contributor

Re: Getting EX FICO from Amex

LOL - Don't worry, in 61 days you'll have 3 X's your current credit limit (fingers crossed) and in 8 months over $10000+.  Amex is great about taking care of their loyal card members. 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 8 of 39
improvingmycredit
Valued Contributor

Re: Getting EX FICO from Amex

Bichonmom - check your PM


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 9 of 39
bichonmom
Senior Contributor

Re: Getting EX FICO from Amex

Has anyone had any success calling Amex and asking for their FICO score?

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 10 of 39
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