Can’t View Your FICO Score From AMEX? Try These 2 Simple Tricks…

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Most services that advertise free credit scores are only providing you with a FAKO score. That’s not something of much use as lenders don’t ever see those scores. A FAKO score can be significantly different than your FICO score, discrepancies of more than 100 points aren’t uncommon.

I’ve been tracking my Transunion FICO 8 score for free from Barclaycard and Discover. I had been getting my Experian FICO 8 score from AMEX. That stopped recently when my AMEX profile changed from the newer version to the older version.

I was kind of happy with that as it also took me back to the old AMEX Offers format, which is far easier to use than the new one.

However it also wiped out the option to view my FICO score.

Old version:

spgamex

 

 

 

 

 

 

 

 

 

 

 

 

 

DDFB user Ari R. pointed out a few days ago that if you delete the additional user’s off of your login then it will switch back to the new format and give you the FICO option back and that you can toggle back and forth as needed.

And of course, I realized that adding AU cards for AMEX Express Checkout was the culprit.

So I clicked on Account options>Remove cards from online access and deleted the AUs:

spgamex1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Once all the AUs were gone the FICO option returned:

 

spgamex2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

And the score is looking as healthy as ever, despite the games I play:

spgamex3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Several DDF’ers reported that this method worked for them, but it didn’t for a few others.

What worked for some DDF’ers was to remove a primary card from their main login and give the primary card its own login.

DDF hat tip leader and poweruser Marco Polo reported that deleting AUs and making his business platinum card its own dedicated login didn’t work, but when he made a dedicated login for his consumer blue card he finally got the FICO option.

Can you view your FICO score from AMEX? Did either of these tricks work for you? What’s your FICO score? Hit the comments!

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51 Responses to “Can’t View Your FICO Score From AMEX? Try These 2 Simple Tricks…”

  1. clear thinker Says:
    1

    So far nothing doing.

    ReplyReply
  2. Anonymous Says:
    2

    I tried it myself removed the aus and it worked from what it seems it has to do with how many cards are link can anyone confirm this in my experience more than 2 cards linked (even primarys) will give you the old version

    ReplyReply
  3. Daniel Says:
    3

    I only have one card per account on my log-in. Most of these are primary but one is an AU account. However, for the AU card, it’s the only card on that account that I have on my login.

    However, I have no useful links link on my page anywhere. I never have had it actually as I’ve always been on the old Amex page.

    ReplyReply
  4. Sam Says:
    4

    Worked for me, sweet!
    769, not bad.

    ReplyReply
  5. Interesting Says:
    5

    My fako is 831 and fico is 768

    ReplyReply
  6. Anonymous Says:
    6

    @Sam: when did you get your first individual card

    ReplyReply
  7. Yakov Says:
    7

    have login for each card but FICO does not work : “Sorry, your FICO® Score is unavailable at the moment”

    ReplyReply
  8. Jake Says:
    8

    How do I add AUs with different SSNs to my login for express checkout?

    ReplyReply
  9. Abe Says:
    9

    I think I got it since I removed my Business Gold Rewards card & made it its own login.

    Experian Score 738 as of 8/1

    ReplyReply
  10. Abe Says:
    10

    Removed my Amex Business Gold Rewards & made it its own login information, & viola I have my Fico Score (738 as of 8/1)

    Thanks Dan.

    ReplyReply
  11. שמואל Says:
    11

    Wow! Confirmed, Removed the cards (where i am only the AU) and left the cards where I am the Primary user, and got my score 781.
    Same story by my wife’s account (Removing AU brought the FICO score), But she got a 794…
    Thanks.

    ReplyReply
  12. Yingerman Says:
    12

    I would rather do the 2nd trick, because the amex checkout is still ongoing with new ticket master links!!!

    http://www.dansdeals.com/archives/70267#comment-1242953

    ReplyReply
  13. Sam Says:
    13

    Do you mean that I should remove the cards which I’m just a AU to it?

    ReplyReply
  14. shauly101 Says:
    14

    +1 on my login which i have one card which i am the AU, i dont have it.
    but on my login which i have a single primary card i have it.

    ReplyReply
  15. Daniel Says:
    15

    Transunion is 822 and Equifax is 862 (out of 900). Just missing my Experian score.

    ReplyReply
  16. Eli Says:
    16

    Sweeeet!
    Removing AU worked for me.
    Thanks man!
    759. Less than a year of credit.

    ReplyReply
  17. shauly101 Says:
    17

    @dan
    ”and of course, I realized that adding AU cards for AMEX Express Checkout was the culprit.”

    what do u call secondary cards? u r an AU under s/o else’s card, or just adding yourself as an AU to ur own Card?

    and is there a reason u put all under one login?

    ReplyReply
  18. Josh Says:
    18

    Is it supposed to show the FICO no matter what kind of card you have? I have only Starwood for example but never seen it. I get it with Citi however

    ReplyReply
  19. Arthur Says:
    19

    I have 2 cards on and the option is still there. Why did my score go down by 30?
    Is it because I have a card that opened and not used for the last 5 months?

    ReplyReply
  20. Josh Says:
    20

    @Josh: Disregard, found it

    ReplyReply
  21. Anonymous Says:
    21

    @שמואל: ur the Au on ur own primary?

    ReplyReply
  22. mia flyer Says:
    22

    question for Ya’ll

    i have 2-3 cards which i haven’t used for some time since they give me no benefit at all – one i still owe 16k and am paying it off slowly , will it harm my score if i shut them ? or is it better to show the available credit even though i haven’t been using it

    ReplyReply
  23. שמואל Says:
    23

    @Anonymous: I have a online American Express account where i have access to all my accounts (to accounts where i am the primary and to the accounts where i am only the AU).

    ReplyReply
  24. got it Says:
    24

    does it effect your score when checking a few times???

    ReplyReply
  25. mark Says:
    25

    cool. didn’t know abt this feature but got right in. my score is a cool 839!
    mucho gracias.

    ReplyReply
  26. abraham mayer Says:
    26

    i have the amex business platinum and dont see any option of free fico. is it only for consumer cards?

    ReplyReply
  27. Yitz Says:
    27

    I just removed the primary SPG and created his own login and it worked

    ReplyReply
  28. Yaakov Says:
    28

    I figured the simplest would be to pick one of my cards where i am primary and make its own online account. Worked like a charm. 792

    ReplyReply
  29. Aron Says:
    29

    Worked for me. Got a 816

    ReplyReply
  30. chaim Says:
    30

    Thank you! Thank you! Thank you! I was waiting for this all whole year.
    I removed a primery card, and opened a New online account for it.

    ReplyReply
  31. Anonymous Says:
    31

    @Aron: how long do you have credit for

    ReplyReply
  32. Dave Says:
    32

    How can you get them to update your score? mine is from june

    ReplyReply
  33. שמואל Says:
    33

    I have a idea – which I dont know if its possible, so I am commenting, and whoever has better knowledge should contribute to it.
    removing AU and when your FICO link appears, you should be able to “SAVE THE LINK” and save it somewhere, so when you re-register your AU, you can use this LINK, i tried it without success, but there might be smarter people on earth…

    ReplyReply
  34. Aron Says:
    34

    @Anonymous: First CC is Going back about 20 years but with little activity. Had a more active credit life within the past few years

    ReplyReply
  35. Bobby G Says:
    35

    Worked for me, just had to unlink the 2 of 3 cards i have. Showed up immediately with the old screen 798, had a 805 on july 11 not sure why it went down

    Thanks Dan

    ReplyReply
  36. UberAmex Says:
    36

    I never Amex had this benefit! Thanks for the info. Had no issues viewing my score.

    ReplyReply
  37. ere Says:
    37

    Your FICO® Score as of July 25th
    778
    On June 27th your score was 790
    do you know how i can see what made it go down?

    ReplyReply
  38. Sara Says:
    38

    I check mine on the barclay card site (827)

    ReplyReply
  39. Avi Says:
    39

    worked for me thanks! had 4 cards linked up (3 business and 1 personal) and when I made a separate login for the personal I got my free score! 796

    ReplyReply
  40. AV Says:
    40

    when i try to create seperate online accounts for my additionals of my business account i get a message that it must be activated first with providing ss and dob i did that already and still getting message what to do?? anyone had this issue??

    ReplyReply
  41. ich zug Says:
    41

    @ere: I had recently the same thing, it happened cuz I applied for a new credit card which pulls it down a bit. did you apply for any credit card lately? don’t worry after paying the bills on time for 3 months you will gain back your points plus even more…

    ReplyReply
  42. J Says:
    42

    Dan, you are an AMEX member since 1984? Were you alive then?

    ReplyReply
  43. Redbull3 Says:
    43

    No shout out for monthly EQ score on citi cards? C’mon man.

    :'(

    ReplyReply
  44. Dan Says:
    44

    @J:
    Was wondering when someone would notice that 😉

    @Redbull3:
    I don’t love the 900 scale.

    ReplyReply
  45. ? Says:
    45

    how do i delete au?? (removing my primary card(spg)and open new login didn’t work)

    ReplyReply
  46. Anonymous Says:
    46

    interesting on amex site it says score is 674 and on credit karma its 752 does this make sense??

    ReplyReply
  47. Welder Says:
    47

    Amex showing my score even though I re-added all my AU.

    ReplyReply
  48. Shulem Says:
    48

    How do u do this on a mobile device I used to b able to see it but not anymore @dan

    ReplyReply
  49. SDC Says:
    49

    You can just type “FICO” in the help search bar and your score will pop right up.

    ReplyReply
  50. SDC Says:
    50

    @Shulem: in the help search bar type “FICO” it will pull your score right up.

    ReplyReply
  51. DSC Says:
    51

    I’ve tried all of the above but no FICO score. I have the option to click on “View FICO Score” under useful links and then get the “Sorry, your FICO® Score is unavailable at the moment.”. I’ve phoned AMEX 14 times about this but keep getting passed around with hollow promises. Really annoyed and would love to see the FICO score. Tried typing FICO in search too but to no avail.

    ReplyReply

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