Free Credit Score for American Express Card Members

I took advantage of the offer from AMEX. I signed up for the 30 day complimentary credit score and report and you don't have to do anything at the end of the 30 day period. the offer simply expires...

My credit score is 797.



What factors raise your PLUS Score:
# You have paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report.

# You have a good cushion of available credit between your current balance and your credit limits on all open trades. This has a positive affect on your credit score. This cushion shows lenders that you are unlikely to overextend yourself financially.

# The total balance on all your credit cards is relatively low compared to your total available credit limit. This has a positive impact on your credit score.

# Your average credit limit for your major credit cards, such as Discover, American Express, VISA, or MasterCard, is high. This tells lenders that you have enough financial experience, and they will be more likely to see you as a good credit risk.

What factors lower your PLUS Score:
# Credit scores are calculated based on various factors in your credit report. Currently, your credit report does not show any significant negative or derogatory information.