American Express have been running a pilot program since late 2014 where some targeted cardholders were able to get their Experian FICO score for free. It seems that today a lot of new cardholders have been targeted for this free score (in fact all cardholders may have access to this benefit). Update: Not all cardholders will have this benefit yet, but it looks like a significant amount of cardholders now do have it.
How To Find Your Free Score
Here is how to check to see if you have this new benefit on your account:
- On the right hand side underneath “Your Last Login” you will see a link that says “See FICO® Credit Score” with an orange NEW next to it click this.
- Read the terms and conditions and accept them if you wish to proceed
- View your FICO score, it should also list two reasons that are negatively impacting your score (e.g too many new accounts, credit utilization too high)
Why This Is Significant
There are a lot of card issuers that provide free FICO scores, which is fantastic but unfortunately all of the other card issuers provide you with your Equifax or TransUnion scores. Chase also provides an Experian FICO score for free, but only to Chase Slate cardholders.
Having American Express provide a free Experian score means you can have all three nationwide consumer reporting agencies covered for free. This move by American Express should also put pressure on Chase and other card issuers that don’t currently provide a free score.
Please let me know if you do or don’t see this new benefit in your account.
I have found this blog to be very useful and I hope to stay connected.
I just logged into my account( amex everyday) and I have it available
It shows up on the right side under “useful links” on my login page on my PERSONAL cards.
My business cards don’t have the link, but it did pull my FICO on my personal SPG and Delta cards.
Available for both my PRG and BRG
Not on my platinum or PRG.
For both my wife and I the “Your last login” is on the left side of the page, not the right like you mentioned above. And neither of us can see the FICO offer.
I’m 0 for 3 🙁
None on my Everyday Pref, Simply Cash Biz or Delta Plat Biz!
Update: AMEX Chat stated the following on FICO:
Currently it’s in pilot process, we have made it available randomly to some card members. And I assure you that will be available to all valued Card Members very soon and we will notify you about it.
0 for 3 on my HHonors, Biz SPG or Corporate Amex. I’m just unlucky, I guess.
No Fico option for SPG or Fidelity ..Reddit writer stated it was on his SPG…may likely be staggered release