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AMEX FICO8 shows a collection that I don't have

TakatoCL
New Contributor

AMEX FICO8 shows a collection that I don't have

So this is weird. I just opened my first AMEX yesterday, and checking the FICO8 score they provide (Experian) it says that the factor affecting my score is "Time since derogatory public record or collection is too short"

 

Now, I don't have any collection in my report. I used to have one from Tmobile but I managed to do a PFD around 2 years ago, so all my CRs are clean with no marks whatsoever. In fact, I doubt that AMEX will approve me with a collection on my report.

 

Do anybody knows if AMEX uses a different report or something? I have Trusted ID, Nav and Credit.com monitoring active, which none of them show any kind of collections.

 

Thanks!

Main Cards:

Store Cards:

Current Scores 12/18


Gardening until Jan. 2020!
Message 1 of 3
2 REPLIES 2
BrandonLane
Established Contributor

Re: AMEX FICO8 shows a collection that I don't have

Not yet. They will update with your new collection soon. Best wishes. 😂
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 2 of 3
Remedios
Moderator

Re: AMEX FICO8 shows a collection that I don't have

Unless you're already using it, here is the link for free EX report. Check it and see if there is anything there 

 

https://www.experian.com/consumer-products/free-credit-report.html

Message 3 of 3
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