Experian Boost Fico 8 score vs. AMEX Fico 8 score

Anonymous · ‎01-13-2020

Hello, on 11/23/19 I signed up for Experian Boost and my Fico 8 score on Experians website increased 39 points from 751 to 790. I have an AMEX Everday credit card that provides a monthly Fico 8 Score from Experian. On 12/7/19 my Amex Fico 8 score updated and it was 751 and did not reflect the "Experian boosted" score of 790. Then again on 1/7/20 my Amex Fico 8 score updated and it was still at 751 not including the "experian boost" increase.

So my question is : Is the Experian Boost fico 8 score is a real world score the creditors will see when pulling your Fico 8 score from Experian, or is it just something I only see when I log into my Experian account and provides no real benefit?

Thanks for your help!

lemon_taiyaki · ‎01-13-2020

Great question! I had the same thought...

Also, my boost never worked do you think disconnecting and reconnecting would mess anything up?

Anonymous · ‎01-13-2020

It shouldn't mess anything up. When I first tried it, I disconnected and reconnected with no issues. It just removed the score boost when I disconnected and added it right back when I connected again.

But like my original question, not sure that the boost really did anything since the 2 Fico 8 scores AMEX posted since I did the boost did not include the boosted score.

OmarGB9 · ‎01-13-2020

Honestly I think it serves no real benefit other then artificially inflating your score. As you already found out, Amex and other lenders will not even see that score boost, or they will see it, but not count it.

Last App: 1/10/2023
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Currently rebuilding as of 04/11/2019.

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Current FICO 8 scores:

thornback · ‎01-13-2020

@OmarGB9 wrote:
Honestly I think it serves no real benefit other then artificially inflating your score. As you already found out, Amex and other lenders will not even see that score boost, or they will see it, but not count it.

This. I think they see it, but can opt not to count it - being it's not universally implemented I can see lenders' use being discretionary. Experian also has the following blurb on their Boost info site:

"Not all lenders use credit information impacted by Experian BoostTM"

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
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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.

Anonymous · ‎01-13-2020

I think that’s pretty bad.

Revelate · ‎01-14-2020

@Anonymous wrote:
I think that’s pretty bad.

Me too.

I was always curious about that since FICO 8 generally never took alternative tradeline data into it's calculations... they must have created an alternate algorithm to peddle, much like FICO did come to think of it, wonder if EX is selling one of FICO's non-traditional scores on that.

There are some lenders (I worked at one of them) who would absolutely switch to a Boost-enabled score, but Amex doesn't deal with the underbanked as a general rule.

Anonymous · ‎03-05-2020

I was curious about this boost answer. Ive been noticing the same thing, my boost score never reflects my Amex scores and its been like that for months (its not an update issue).

However, my boosted Experian score and what is reflected here in the MyFico site is the same.

I've contemplated removing my boost to give me a more accurate picture of my Experian score but since it shows up one place and not the other, I am torn.

Any thuoghts?

dustind · ‎03-05-2020

If there isn't a limit to how often you can turn the boost on and off can you use it to get mid day refreshes?

I have turned it on and off a few times in one day and it keeps generating whole new reports IIRC. I am going to test this theory a bit.

I wish I had recorded my with/without boost score more as I was working on building credit for the data points.

My Amex app 12-2019 didn't count my boost either.

Revelate · ‎03-05-2020

@Anonymous wrote:
I was curious about this boost answer. Ive been noticing the same thing, my boost score never reflects my Amex scores and its been like that for months (its not an update issue).

However, my boosted Experian score and what is reflected here in the MyFico site is the same.

I've contemplated removing my boost to give me a more accurate picture of my Experian score but since it shows up one place and not the other, I am torn.

Any thuoghts?

Don't think there's any new insight but honestly if you can generate a traditional score I wouldn't be using Boost.

End of the day mortgages aren't underwritten by these scores, most if not all major CC providers aren't using it, etc. ad naseum. It's just not built for people who are fully banked honestly regardless of how Experian is shoving it at people so they can go market it to lenders.

I'm giving it a hard pass honestly.