American Express Credit Secure review?

**NYC_Dweller** · May 19, 11, 1:38 pm

Hello,

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

Thanks

**milkthatcard** · May 19, 11, 4:11 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?

**NYC_Dweller** · May 20, 11, 8:16 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** · May 20, 11, 10:54 am

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.

**luvbullmarkets** · May 22, 11, 12:38 am

Originally Posted by milkthatcard

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.

**Mogul of Pineapples** · May 28, 11, 2:40 pm

Originally Posted by luvbullmarkets

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.

**luvbullmarkets** · May 29, 11, 3:41 pm

Originally Posted by Mogul of Pineapples

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.

**Mogul of Pineapples** · Jun 13, 11, 5:14 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.

**trumpet-205** · Jun 13, 11, 9:59 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.

**luvbullmarkets** · Jun 13, 11, 11:44 pm

Originally Posted by trumpet-205

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.

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American Express Credit Secure review?