American Express Credit Secure review?

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Postby trumpet-205 » Wed Jun 15, 2011 1:04 pm

Well I don't really care about the score anyway, just the report.

Even if it offers FICO scores, it may not be the same FICO scores that lenders are using (there are many FICO score models).
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Postby i_t_man » Wed Jun 15, 2011 2:54 pm

jeffysdad wrote:Don't pay for credit monitoring or for your credit score. Credit reports are free, and you can track your score for free on Kredit Karma and other sites, I'm sure. Also don't pay for credit insurance. All of these things are ways for the banks to boos revenue and are not needed by consumers.

I love Credit Karma, just as long as you realize their score can be off, sometimes way off. The last time I checked my score it was almost 40 points lower than what Equifax showed.

I do like their calculators though. I can plug in different factors to see what effect it will have on my score.

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Postby Meltdownblitz » Fri Jun 24, 2011 8:48 am

I agree. I have the same situation. But I do love Credit Karma's service, it's free, and yor able to update your score daily if you wanted to which is awesome.

I've used to monitor just my experian score.
- BBB rates them A+ so I figured I'd give them a shot.
- I'd have to say, it's a decent service
- able to update your report/score daily manually if you wanted
- customer service is very good.

- a little pricey at 14.99 to monitor only one credit score/report IMO.

I've also tried identity guard.
- Nice UI
- Awesome customer service
- Anti virus software free with monthly subscription.
- monitor all 3 scores

- They update your credit score automatically quarterly, aka every 3 months. (deal breaker IMO)

To the guy that uses trustedID, hows their service? I was thinking about trying their trial. Still looking for an awesome credit monitoring service but one thing I wanted was for the company to at least update my score monthly at the least. And trustedID does just that. Thinking about giving them a try.

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Postby ashleyAMX » Sat Jun 25, 2011 1:32 pm

luvbullmarkets wrote:Good question. I see the only benefit is the credit monitoring from possible identity theft. Just recently found out that Plus Scores are not the exact same as FICO scores. Therefore, the scores provided are pretty much useless.

Just enrolled with TrustedID for all three FICO scores and monthly monitoring. At a cheaper rate to boot.

Will cancel my enrollment with Credit Secure.

I thought this maybe a useful link. In summary, 99.8% of the scores you are pulling are FAKO, not fico. Whether it's TrustedID, Amex, USAA, etc. They're all generic. If you want your FICO you should get them either from a lender, myfico, or a few other places (listed at bottom of first thread).

I use American Express Credit Secure, because you can get the report up to two times a month. I had BofA for a few months but they only update quarterly and that really wasn't enough bang for the buck.

"Poor people can't get credit and rich people don't need credit. Its those of us in the middle that need it" - I think this is why I monitor my credit so I can maintain it while in the baby stages and eventually not have to worry about it.

Credit Monitoring Service (CMS) Guide - FICO® Forums

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