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AmX No Longer Providing Free Monthly FICO Scores

Frequent 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 27
26 REPLIES
Established 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 Score:   09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current Score:  11/08/2018: EX 782 ✦ EQ 785 ✦ TU 769 (missing account)
Goal Score:   800's


Take the myFICO Fitness Challenge

My AAOA 3 years
My Lone Baddie: 4.10 Year Old First Premier Charge-Off (PIF)

Tending to my Garden til December 31, 2019





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 27
Frequent Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores


@tmr 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 27
Established 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 Score:   09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current Score:  11/08/2018: EX 782 ✦ EQ 785 ✦ TU 769 (missing account)
Goal Score:   800's


Take the myFICO Fitness Challenge

My AAOA 3 years
My Lone Baddie: 4.10 Year Old First Premier Charge-Off (PIF)

Tending to my Garden til December 31, 2019





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 27
Super Contributor

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 27
Valued Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

Mine just updated on 11/28/18
Message 6 of 27
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 Credit: $218,900Utilization: 1%AAoA: 5yrs, 5mthsInstallments: Car Lease, Marcus LoanBaddies: 0On Chop Block: Nobody NA

             
             
                          DSC-27.1K | NFC-25K | ALI-25k | WAL-10k | BoA-22k | BB-12k | NFL-15k | LOW-35k | AMX-19.3k | CHA-10k | PF-8.8k | C-DC-9.7k
Message 7 of 27
Valued Contributor

Re: AmX No Longer Providing Free Monthly FICO Scores

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

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 27
Frequent 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).
Rebuild commenced 5/2018

AmEx Delta Skymiles Gold | AmEx Hilton Honors | Discover IT | Target | VS | Home Depot | CapOne QuickSilver | Wayfair | Kohl’s | Indigo Plat (RIP 2/2019 before AF comes due)



Message 9 of 27
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

Delta Reserve and CSP Jan 2018, no more 5/24 worries... unless new Chase Marriott/SPG replacement is enticing...meh, turns out not. [unless a 100k points SPG Luxury Upgrade appears... well lookie here...]
Message 10 of 27