Is the FICO score given free by my Amex card a true FICO?
JUst wondering as its 100 points higher than both my Credit Karma scores.
Your Amex score is a true Experian FICO 08 score.
Your Credit Karma scores are TransUnion Vantagescore 3.0 and Equifax Vantagescore 3.0.
The score you get from Amex and the ones from CK are not related at all. The majority of lenders use FICO scores, so I'd value your score through Amex more. Unless a potential lender of yours is using Vantagescore 3.0, I wouldn't care about those scores very much.
My Fico score from Amex mirrors my Experian report pulled here.