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AmX No Longer Providing Free Monthly FICO Scores

rbentley
Established Contributor

AmX No Longer Providing Free Monthly FICO Scores

My Amex online account has always shown a monthy FICO 8 score, based on Experian I think.  I signed in today and the FICO score is gone, replace by MyCredit Guide which provides a VS 3 score based on TU.  Is this the same for everyone?  Am I just overlooking where the true FICO score is?

Message 1 of 40
39 REPLIES 39
thornback
Senior Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Hmmm... my FICO is still there from November 10th. Wonder if that will change come my December 10th update.

Did yours change upon updating this month's score or...?

Bad decision, imo, if they have decided to forgo providing FICO scores - it was a big plus for many amex card holders. I get my scores elsewhere anyway so it doesn't bother me much but still... And you'd think they'd send an email notification of this change.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 40
rbentley
Established Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores


@thornback wrote:
Hmmm... my FICO is still there from November 10th. Wonder if that will change come my December 10th update.

Did yours change upon updating this month's score or...?

Bad decision, imo, if they have decided to forgo providing FICO scores - it was a big plus for many amex card holders. I get my scores elsewhere anyway so it doesn't bother me much but still... And you'd think they'd send an email notification of this change.

Yes, mine updates on the 3rd.  Signed in today and FICO is gone replaced by MyCredit Guide and the VS.

Message 3 of 40
thornback
Senior Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Well then, I guess I'll be able to confirm on the 10th.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 40
Anonymous
Not applicable

Re: AmX No Longer Providing Free Monthly FICO Scores

My FICO score updated on 11/21/18 and is still visible when accessing my account.

 

Honestly, the EX 08 score really doesn't hold much value at all at this point since one can obtain it for free through both creditscore.com and creditscorecard.com.  It it was an EQ score or a different FICO model rather than Classic 8 however I do agree that losing it from Amex would suck.

Message 5 of 40
oldman87
Valued Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Mine just updated on 11/28/18
Message 6 of 40
RonM21
Valued Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Mine updated around the 23rd. I was on there yesterday and did not notice a change. We'll see what happens, but BBS brings up a good point in the availability of the Experian score elsewhere.
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 7 of 40
19eighty5
Senior Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

My score updated on the 24th and still shows the FICO 8.

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 8 of 40
ImTheDevil
Community Leader
Super Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Hmm. Mine updated 12/1, and in the app it shows the accurate EX 08 as of that date right now (I just checked).


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 9 of 40
NRB525
Super Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Mine updated as of December 1, using FICO 8 EX data “... is the same score used by American Express”.

797 for those scoring at home.

Editorial, not sure why they would deviate to anything other than EX FICO 8 since it seems all their historical HP, SP and related algorithms are aligned with EX FICO 8. But I suppose it is possible.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 10 of 40
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