Posted by William Charles on December 13, 2018
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Published on December 13th, 2018 | by William Charles

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American Express No Longer Offering Free FICO Scores [Available Again]

Update: Looks like these scores are showing up as normal again.

American Express is no longer offering cardholders free FICO scores. Unfortunately cardholders are now offered access to American Express MyCredit Guide instead. American Express MyCredit Guide was launched in May 2018 and is offered to all consumers, even if they don’t have an American express card. The score they provide is VantageScore 3.0 and is powered by TransUnion credit reports. VantageScore isn’t as useful as most lenders use FICO scores to determine credit eligibility. American Express first started offering cardholders free FICO scores in 2014 in a trial program, before it was widely rolled out in 2015.

Hat tip to reader PT



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Gerhardt
Gerhardt

I am still able to access my FICO score for free, just checked now.

Brian
Brian

Same

RMM
RMM

There is a date when score was pulled. They provide it ones a month only, not every day. Looks like there will be no updates for EX FICO 8 from AmEx according to this post.

Shri
Shri

Same here.

Debit
Debit

Amex is going shit. The new CEO wants to increase eps. The staples clawback made me angry.

Gold
Gold

very subjective opinion here

Sam
Sam

Very redundant sentence here:)

Tom
Tom

Which FICO score were they offering previously?
Trying to figure out if the same info can be got from another provider?

Jay
Jay

Experian 08,quite a few other companies offer Transunion (Barclay, Discover, Bank of America) a few offer Equifax scores. I’m not aware of anybody else with the free Experian credit score.

TN Churner
TN Churner

The Experian app offers a free Experian score. Also discover is a Experian score not a TU score.

arch
arch

Discover gives me Transunion

ADAM BRIAN DADA
ADAM BRIAN DADA

Discover’s credit card offers a free TU 08. Discover’s “Credit Score Card” website offers a free EX 08.

Slip6
Slip6

Discover offers one of the 3 credit bureau FICO scores if you are a cardholder, and a different bureau FICO if you aren’t.

Blue
Blue

FNBO is Exp. FICO 08. WF is Exp. FICO 09.

Scotch
Scotch

Experian.com does for me. I signed up for their free credit report in October and 2 weeks later they sent an email saying that they now show FICO 08, the same score that Amex currently offers. This is not advertised on Experian’s website, however. (The free credit report signup is different from the once yearly free credit report. Head to Experian.com > Reports & Scores > Free Credit Report.)

Brandon
Brandon

Lame but not a problem If you have discover, capitol one or chase… all which also give you credit scores for free

Beefer
Beefer

Chase and Capital One only offer vantagescore 3

HmoobMikah
HmoobMikah

He meant the Chase Slate card offers Transunion fico scores.

Scott
Scott

Thanks for the info. That explains why my score at Chase and Capital One agreed but was different than the reporting bureaus

roundtree
roundtree

Precisely when did this stop? I still see my FICO score as of December 8th. Has this changed in the last five days?

Sam
Sam

I just checked. It’s still there.

PT
PT

This is what happened to me:
Checked Amex website Dec 5, 2018 – Experian FICO 8 score available as usual with Nov 28, 2018 reporting date

Checked Amex website Dec 9, 2018 – FICO score GONE; Now, in its place is link to a signup for the free MyCredit Guide with Vantage score.

So, for me, it was in that 4 day window.

My guess is that it may have to do with where you are in the reporting cycle.

As other people mentioned, I simply switched to the free Creditscorecard by Discover to get the same Experian FICO 8 score that Amex used to offer. The main things I liked about the Amex score was that it was convenient by being provided when you login to pay and how they updated it multiple times a month if you had major changes during the month (no other credit card issuer-provided score does this as far as I’ve seen).

Superman
Superman

+1

Greta
Greta

Absolutely ridiculous! Shame on you AMEX!

Gold
Gold

go sign up for a free account on experian and quit complaining. They hand out so many points, you sound like a whiny baby

Greta
Greta

EXCUSE ME?! What does AMEX giving rewards points have to do with anything. DO NOT tell me what to do.

Superchurn
Superchurn

agreed. shameful conduct!

Zalmy

With whom do you agree?

Ann
Ann

They’re agreeing with Greta, I think.

Jay
Jay

Well this sucks, Vantage scores are nearly useless, thanks American Express!

Paul
Paul

It is still available on the app for me

Abey

Damn. I really liked that Amex Fico score because i knew its the most realistic.

PoorChurner
PoorChurner

wtf amex

TN Churner
TN Churner

Still showing up in the app for me. Overall not a huge deal though. Can still get an EX score from the EX app and discover. Add in EQ from Citi and TU from BoA and it’s still possible to get all three scores for free.

Beefer
Beefer

I get TU from discover.

ADAM BRIAN DADA
ADAM BRIAN DADA

Discover offers free EX 08 to anyone (not just customers) at Credit Score Card (dot com)

JB
JB

Thanks for the tip. I see my updated FICO score in the app, while the web page only offers a TransUnion Vantage score.

Novacat05
Novacat05

Thanks for the heads up, I logged in and printed out my most recent score before it goes away.

RMM
RMM

N/A

chinagel
chinagel

Random DP: A friend and I both got instant approval on the Hilton Aspire card. We clicked to get the card number instantly and got a message that their system isn’t working and we will get a 60 dollar credit instead.

bax
bax

Don’t see what the fuss is about. Here’s a Reddit post that lists all the different types of FICO/FAKO scores offered by various sources:

https://www.reddit.com/user/yt-nthr-rddtr/comments/6vm3sk/credit_report_and_scores/

Andrew
Andrew

FYI for those who lost access to their FICO score on Amex website: You can still see it on your mobile app under Account tab.

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