Free Experian PLUS Credit Score From American Express

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Just a reminder that American Express cardholders can get a free look at their Experian PLUS credit score and credit report once every 12 months. This is Experian’s own proprietary (“FAKO”) credit score, but is the best you can get from Experian since consumers can no longer get their FICO Score based on Experian data. (See here for current myFICO coupon codes.) PLUS has a range of 330-830 as opposed to the FICO range of 300-850, but like all FAKO they don’t necessarily map directly to FICO.

To access your score, visit and log in as usual. It is free, and you do not need to enroll in any trials to get your free score. They will however try to upsell you their CreditSecure monitoring service after 30 days. Just checked for DW:

From their site:

How much does My Credit Score & Report cost?
My Credit Score & Report is a complimentary benefit offered exclusively to American Express Cardmembers. You pay absolutely nothing. Simply sign up to gain access to your Credit Score and Report.

How long will I be enrolled in My Credit Score & Report?
Your enrollment in My Credit Score & Report will last 30 days. After 30 days, you will no longer have access to your complimentary Credit Score and Report. If you wish to continue enjoying access to your Credit Score and Report, you may enroll in CreditSecure.

Don’t forget about all the other ways to get a free credit score without free trials.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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  1. Looks like Experian has a few different Fako scores. I just checked my score with them through a different offer and was given a Vantage Score which had a range of 501 – 990, instead of the 330 – 830 range of the PLus Score above. The credit categories were also different and listed as HIgh Risk, Non-Prime, Prime, Prime Plus and Super Prime. Worth noting since a 790 vantage score would not be equivalent to a 790 Plus score, which is rather confusing when trying to figure out how strong one’s score actually is.

  2. I checked mine too. 747. Thanks a lot!

  3. I’d heard about this before but I couldn’t figure out how to access it via the Amex website. Their websites design is a bit akward sometimes. So thanks for the link.

    I got a 797 myself so not bad at all.

  4. Thanks! Very helpful!

    I didn’t even know about this service and I have an American Express card.

    This blog has really benefited me a lot recently. First the post on cables for computers-to-tv and now this.

  5. Benefitted*

  6. jackcrawfish says

    Our system indicates that you have previously purchased from us. If you would like to view your report or take advantage of your member benefits, please login with your Username and Password.

  7. I have a BoA AmEx and tried signing up at so that I could try this. It wouldn’t recognize the card at all. Is this because it is through BoA? Are AmEx cards with other banks working? Or do you have to have a pure AmEx card in order to take advantage of this offer? Thanks in advance.

  8. Thanks for the link. Free scores are always a great tool!

  9. I don’t think it’s been one year since I last did this…..

  10. WhiteKnight says

    This service is only offered to card members using American Express
    cards issued by American Express. Your BoA Amex won’t work because that is considered a BofA card. It is only a card that uses the Amex network, but the card, itself, is owned and operated by BofA.

  11. Does requesting your own score have any adverse affect on your score?

  12. @Red01baron – No, checking your own credit report or score never affects your credit score.

  13. This free credit score offer is no longer available. Unfortunately they don’t tell you that until you have completed the entire form.

  14. wohoooo! got a 792!
    Thanks for the link

  15. Thanks for the link to Amex website. It worked smoothly and had my credit score within minutes and found an important error.
    Thanks again!

  16. Alex Burda says

    Thanks for the information. I have an American Express card and did not know this service existed. I am just about to check my score.

    If the the way I spend has anything to do with it my score should be huge. I do make sure that my balance gets paid in full every month so that I don’t get charged any interest on my purchases.

    Not good for American Express but I am sure there are lots of people out there that pay plenty of interest.

  17. I get my credit score from for free. No trials, no expirations but there are lots of offers and ads that pay for the site. Very nice service. The site includes a credit report card and a score simulator which is decent. You don’t get a credit report though, just your score and some analysis information but you can get free reports in most states now anyway.

  18. Could anyone please let me know how to access it? I logged into my account but can’t find where to get the credit score. I do see thr CreditSecure ads though…….Is the free credit score still available?
    Thanks a lot!

  19. @deaddog Follow the link ( and sign in to your account. Once you’re in your account you may have to sign up for the Experian account (at least I did). After that, you’ll have access to your credit report.

    My score: 798.

  20. I am having a hard time getting into it. When I used the above link, I always got the following message:

    “We’re Sorry…
    We are currently upgrading our site to improve American Express Online Services. During this time you may experience intermittent system delays.
    If you wish to review your account, please call the number on the back of your Card and a Customer Service Representative will be available to assist you.
    If you wish to make a payment, you can pay via telephone by calling 1-800-472-9297. ”

    If I don’t use the link and go through the normal wayto log in (google AMEX and log in from the website), I can’t find out where to sign in for an Experian account. However, I did find the CreditSecure monitoring thing. Is this where you guys get the free credit score when you sign up for the 30 days free trial of credit monitoring?
    Thanks a lot for your help!

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