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.
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:
Once all the AUs were gone the FICO option returned:
And the score is looking as healthy as ever, despite the games I play:
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!