Getting EX FICO from Amex

[LS2982]

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@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 lowest APR tier, then you would have recieved the EX FICO.  Sorry. 

Edit:  Grammar again. 

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+1

[pizzadude]

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@bichonmom wrote:

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

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I tried calling AMEX several times after I received my ZYNC $200 Hard Limit card since I didn't get a FICO score.   Unfortunately I was never able to get it, I tried all the backdoor numbers listed but no one could tell me my score. 

[Anonymous]

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@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.

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+1 This is exactly what happened to me. I got the form letter a few days before the actual card which was in early Feb 2012. It was a confirmation of approval with credit score on the back. I didnt receive one when I got my Blue nor charge last year. Sorry, maybe you can call can ask what score they used??

[Anonymous]

Sorry, didn't read Pizzadude's message before answering....BTW, Bich, I just know you didn't really mean you would rather have the score than the card did you? Lol

[aamex]

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@Anonymous wrote:

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@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.

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+1 This is exactly what happened to me. I got the form letter a few days before the actual card which was in early Feb 2012. It was a confirmation of approval with credit score on the back. I didnt receive one when I got my Blue nor charge last year. Sorry, maybe you can call can ask what score they used??

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+1 Same here with the BCE, it was on the back of a mailing that talked about what your interest rate is, blah, blah,blah..

[Anonymous]

I got my EX FICO in a letter this past Thursday from Blue Application.  The letter said that I was approved and they set my interest rate based off of my Experien credit score.  Then on a second sheet of paper was my Experian score and primary negative factors in it.  Apparently 2% utilization is too high a ratio between revolving debt and revolving credit limits....whatever.  Two of the factors were valid and the latter two seemed like they were just filling empty space on the form.  Anyway, the letter didn't even tell me my interest rate, and I have still yet to receive the card.

[mAndrew1980]

Bich, I feel your pain. I want my EX Fico sooooo bad. I believe it'd be my highest FICO but I have no way of knowing. I've always wondered why we can't just call the cc company and ask what it is (assuming we app'ed for their card). Anyways hopefully they'll send it to you and it just hasn't arrived yet? I'll have to wait until April or May when I app for the Zync.

[Anonymous]

I guess I'll find out in a week or two if they actually post a score on my new BCE.

The rep did say I got the best terms, so maybe it won't happen.

[LS2982]

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@Anonymous wrote:

I guess I'll find out in a week or two if they actually post a score on my new BCE.

The rep did say I got the best terms, so maybe it won't happen.

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If you got the best terms they won't send you a FICO score unfortunately, but you may be able to call in and find out!

[Anonymous]

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@LS2982 wrote:

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@Anonymous wrote:

I guess I'll find out in a week or two if they actually post a score on my new BCE.

The rep did say I got the best terms, so maybe it won't happen.

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If you got the best terms they won't send you a FICO score unfortunately, but you may be able to call in and find out!

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Well, I'm kind of unsure, I've had reps in the past say "the best terms" but usually what they meant was the "best terms" based on my credit score. So I'm iffy about believing him until I get my approval letter.