American Express Credit Secure review?

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NYC_Dweller
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American Express Credit Secure review?

Postby NYC_Dweller » Thu May 19, 2011 3:38 pm

Hello,

Does anyone have any experience / opinions on American Express' Credit Secure? I'm thinking about enrolling

Thanks


milkthatcard
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Postby milkthatcard » Thu May 19, 2011 6:11 pm

This is the first time I have heard of Credit Secure. I take it that this must be some credit monitoring service from American Express?

My take on those services is they are more often than not a big waste of money. What is the cost for this one?

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Postby NYC_Dweller » Fri May 20, 2011 10:16 am

You are correct, it is a credit monitoring service from amex. I decided to continue with FICO since most (if not all) other services provide PLUS scores or other third party scoring.

jeffysdad
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Postby jeffysdad » Fri May 20, 2011 12:54 pm

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.
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luvbullmarkets
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Postby luvbullmarkets » Sun May 22, 2011 2:38 am

milkthatcard wrote:This is the first time I have heard of Credit Secure. I take it that this must be some credit monitoring service from American Express?

My take on those services is they are more often than not a big waste of money. What is the cost for this one?


I have this service and pay $11.99/month. Automatically charged to my AMEX PR cards.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

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Mogul of Pineapples
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Postby Mogul of Pineapples » Sat May 28, 2011 4:40 pm

luvbullmarkets wrote:I have this service and pay $11.99/month. Automatically charged to my AMEX PR cards.


Out of curiosity was there a reason or situation that motivated you to enroll? That's $144/year which is a lot, in my opinion, given what you get in return. But I suppose I may feel differently if I had a bad identity theft experience first hand.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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luvbullmarkets
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Postby luvbullmarkets » Sun May 29, 2011 5:41 pm

Mogul of Pineapples wrote:Out of curiosity was there a reason or situation that motivated you to enroll? That's $144/year which is a lot, in my opinion, given what you get in return. But I suppose I may feel differently if I had a bad identity theft experience first hand.


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.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Jun 13, 2011 7:14 pm

Sounds like a good move luvbullmarkets. Report back how you like or dislike their service. We could use more reviews on here on credit monitoring services.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

trumpet-205
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Postby trumpet-205 » Mon Jun 13, 2011 11:59 pm

I'm debating whether to get this service or to get USAA credit monitor service.

I primarily want the ability to view my credit report periodically. You can only get 3 CR for free each year.
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luvbullmarkets
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Postby luvbullmarkets » Tue Jun 14, 2011 1:44 am

trumpet-205 wrote:I'm debating whether to get this service or to get USAA credit monitor service.

I primarily want the ability to view my credit report periodically. You can only get 3 CR for free each year.


Check and see if USAA credit monitor shows FICO or Plus Scores. I would stay away if it's Plus Scores.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

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