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What credit score does American Express® MyCredit Guide provide?

American Express'^® MyCredit Guide shares your free credit score using TransUnion's VantageScore 3.0. Your VantageScore is made up of six key factors: payment history (40%), depth of credit (21%), credit utilization (20%), current open balances (11%), recent credit (5%), and available credit (3%). Your VantageScore moves toward the high score of 850 with good credit behavior (such as making loan payments on time), and your VantageScore provides an indication to lenders and creditors of your creditworthiness, including your ability to pay future bills on time.