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Amex has a different Fico 8 Score

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Jordan23ww
Valued Contributor

Re: Amex has a different Fico 8 Score


@DLynn1920 wrote:

@Jordan23ww wrote:

I went through a very similiar thing when I tried to get an increase a few years ago... I went on the Amex site and checked my Fico 8 score there and it was 707. It was then that I realized 1) Amex uses the Fico score on their site for soft pulls and 2) the score on their site can be 1 to 2 months old depending on when a request is made...Now whenever I want to apply for anything on Amex I check their site first to see what score they show. I waited 91 days and asked again and was approved for the limit increase. Best wishes to you when you ask again! 


This was an incredibly helpful account and I appreciate you sharing it. Now I know to how to proceed when trying to grow my accounts with Amex. Thank you  


@DLynn1920 awesome! You're welcome! I'm happy it helped!  

         


Message 21 of 29
DLynn1920
Established Member

Re: Amex has a different Fico 8 Score


@OmarGB9 wrote:

What date is showing on the EX app?


July 11. It has been pretty steady for a while now. 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 22 of 29
SouthJamaica
Mega Contributor

Re: Amex has a different Fico 8 Score


@DLynn1920 wrote:

@OmarGB9 wrote:

What date is showing on the EX app?


July 11. It has been pretty steady for a while now. 


OK so there's your answer. One was from July 5th. The other was from July 11th.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 23 of 29
DLynn1920
Established Member

Re: Amex has a different Fico 8 Score


@SouthJamaica wrote:

July 11. It has been pretty steady for a while now. 


OK so there's your answer. One was from July 5th. The other was from July 11th.


But my score hadn't changed in weeks. I check regularly, sometimes  daily. 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 24 of 29
RobynJ
Established Contributor

Re: Amex has a different Fico 8 Score

Could it be that they are using Fico 8 bank card scores vrs reg Fico 8? 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 25 of 29
DLynn1920
Established Member

Re: Amex has a different Fico 8 Score

@RobynJ OMG! That's the answer! I looked and those scores are pretty close. Thank you 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 26 of 29
RobynJ
Established Contributor

Re: Amex has a different Fico 8 Score

Glad to help 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 27 of 29
RobynJ
Established Contributor

Re: Amex has a different Fico 8 Score

Also keep in mind that Fico 8 bank card scores span between 300-900 so a 700 isn't as high as a 700 Fico 8 reg version 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 28 of 29
DLynn1920
Established Member

Re: Amex has a different Fico 8 Score

Thank you for that reminder @RobynJ 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 29 of 29
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