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Amex Fico 8 vs Myfico and Exp discrepency

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rohan0784
Valued Member

Amex Fico 8 vs Myfico and Exp discrepency

So this is a first and its not a huge deal just wanted to see if anyone else has ran into this. My Amex fico 8 is usually spot on with myfico and experian fico 8 but when I logged in to Amex today I noticed there was a new pull dated 10.2.19 which showed a 781. Thinking I was crazy I went back and looked at my fico and experian for 10.2.19 and noticed they were both still at 732. I get free daily reports for experian so I refreshed it and its still 732. Nothing has happened to create a 49pt jump no collections or late payments aging. I did notice Amex updated on 2nd but it usually pulls on 15th and 25th of the month because I have 2 cards with them and each time a statement closes I get a fresh score. Sorry for the rant just wanted to see if anyone else has noticed any issues with Amex fico 8 vs others recently. FYI I did verify Amex was stating Fico 8 and not their vantage score

 

Screenshot 2019-10-04 19.13.41.pngScreenshot 2019-10-04 19.14.29.pngScreenshot 2019-10-04 19.15.10.png




Starting Score: 03/2018 EQ 472 TU 467 EX 470
Current Score: 06/2019 EQ 703 TU 736 EX 731
Goal Score: 750 all around


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3 REPLIES 3
CreditInspired
Super Contributor

Re: Amex Fico 8 vs Myfico and Exp discrepency

bump


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 2 of 4
satio
Frequent Contributor

Re: Amex Fico 8 vs Myfico and Exp discrepency

Is it possible they are using Bankcard Fico 8?

 

Or perhaps Fico 9 but have not updated the web app correctly?

 

Does MyFico show any scoring model other than Fico8 that are closer to this number?

 

Just guessing...



Message 3 of 4
CCWarrior
Established Member

Re: Amex Fico 8 vs Myfico and Exp discrepency

I have the same problem. CCT Ex reports to be 699 from like last 6 days

MyFico shows 672. I will probably cancel once finished with my autoloan.

Message 4 of 4
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