Where does the data on American Express® MyCredit Guide come from?
The data on your MyCredit Guide is based on your TransUnion® credit report. The VantageScore® credit score presented was calculated based on the information from that credit report.
Where does the information on my TransUnion credit report come from?
The information on your credit report comes from multiple sources. Some is furnished to TransUnion by its data furnishers, companies with whom you have a credit relationship. TransUnion also gets information from courts, debt collectors and public records which include tax liens and bankruptcies. Additionally, TransUnion gets information that you provide directly to TransUnion Consumer Relations.
Why did my credit score change?
Your credit bureau information is continuously updated. If your VantageScore credit score shows a change it could be due to a variety of reasons. It is possible, for example, that you have acquired new credit, paid down existing debt or been late on a payment.
Why isn’t there a credit score displayed for me in MyCredit Guide?
If you cannot see your credit score, it may be because there is not enough information in your credit report to calculate a credit score.
Why do I not have 12 months of scores on my credit score chart?
This is normal if you have recently enrolled. The credit score trend line will build each month, starting with your first visit to MyCredit Guide.
Why might this VantageScore 3.0 credit score be different from other VantageScore 3.0 credit scores I see?
VantageScore 3.0 is calculated using credit bureau information. The score can vary depending on the credit bureau that calculated the score since each credit bureau may have different information about you. It can also vary due to the timing of the calculation, given that your credit report is updated frequently.
What’s the difference between the VantageScore 3.0 credit score and other credit scores?
VantageScore 3.0 may differ from other scores you may have seen, as there are other providers and scores in the market. Credit scores are generally based on similar key factors that lenders want to know about before offering you credit. American Express and other lenders may use different credit scores and other information to make credit decisions.
Something in MyCredit Guide does not look right. What should I do?
MyCredit Guide is a summary of your credit data from TransUnion. If your information does not look right, we recommend that you review your TransUnion credit report provided in MyCredit Guide.
You can also call TransUnion Monday through Friday from 8AM to 9PM EST, except during holidays at 1-855-468-1379.
Will American Express use my information for marketing?
American Express may use the information you provide when you enroll to market American Express products and services to you. For information about your choices, and how American Express protects your privacy, please read our Privacy Statement.