What information can I find on MyCredit Guide?
MyCredit Guide provides your VantageScore® credit score by TransUnion®, refreshed weekly upon login. MyCredit Guide also includes a range of information and tools to help you understand your credit score better and plan for the future. Some of the features include:
- Score Factors impacting your score
- Up to 12 months of score history
- Detailed TransUnion credit report
- Email alerts about critical changes to your TransUnion credit report information to help you identify potential fraud
- Score simulator to help you assess the possible impact of financial choices before you make them
- Credit education articles
How often is the credit score in MyCredit Guide updated?
Your VantageScore credit score is updated weekly, upon login.
What are the "Score Factors" impacting my VantageScore credit score?
The "Score Factors" impacting your VantageScore credit score tell you what information from your TransUnion credit report is impacting (positive or negative) the calculation of your score. These are some key factors that could affect your credit score:
- Your history of making payments on time
- How old your credit accounts are
- How much credit you are using
- Recent inquiries for credit
- Recently opened new credit or loan accounts
- How much credit you have available
What is the Credit Score Simulator?
The simulator shows you how your credit score could change based on changes in your credit behavior. You can use this interactive tool to help estimate the possible impact of various actions or events on your credit score.
Please note the results of Credit Score Simulator are estimated and don’t necessarily show the exact results a given behavior will have on your score.
How accurate is the Credit Score Simulator?
The Credit Score Simulator starts with the information in your current TransUnion credit report and estimates how changes to the information could affect your score. Please keep in mind, the credit score simulator is an educational tool and the outcomes are estimated and not predictions.
Note: Accounts not reported to TransUnion or subsequently deleted from your credit report will not be reflected in your score.
How can I see my credit report?
You can view your TransUnion credit report through MyCredit Guide. If you want to see your credit report from other credit reporting agencies, you may request a free copy of your credit report at annualcreditreport.com. You're entitled to receive one free credit report each year from each of the three major credit reporting agencies – TransUnion, Experian and Equifax.
What kind of alerts will be sent to me?
We will send you alert emails about events impacting your TransUnion credit report. The alerts cover a broad range of events that are most likely to impact your credit score, and are not limited to events related to American Express Cards. Some sample alerts include a new inquiry by a business providing you credit or a new account being opened in your name. We’ll also alert you about events like address changes or changes to account status.
You will be automatically enrolled in the full set of available alerts with your MyCredit Guide enrollment.
How does American Express consider me for pre-qualified Card offers?
American Express will review your recent credit history and/or other information to determine your eligibility for pre-qualified American Express Card offers. Pre-qualification does not impact your credit score.