Using credit score through Amex/Discover/any bank?

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Using credit score through Amex/Discover/any bank?

Postby Generallisimo » Wed Dec 08, 2010 11:58 pm

All of these banks offer some way to check your credit score (or with Amex, get a free one for 30 days). What I have noticed is that *all* of them use Experian-- and a few are directly sub-contracted out to

My problem with that? is a mirror site for (both run by Experian). If they have nothing to hide, why change the name? If anyone is familiar with them, free are the biggest farce of a scam that is legal (besides timeshares). They have been sued many times by the government for their 'free' credit report offers, and on top of that, as happened to a friend of mine, they also give out (share) all of your information with telemarketers for various credit or non-credit related products, after which you will be deluged by calls from them.

So has anyone used these services provided through these banks and are they a lot less scammy than freecreditreport?

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Postby jeffysdad » Thu Dec 09, 2010 12:00 pm

I took advantage of Amex offer to check my score, but I was careful to not agree to any kind of commitments. It worked fine but didn't last. I check my score for free on Credit Karma. I only order credit reports through the REAL government site.

At the end of the day, the only score I consider to be real is the FAIR ISAAC FICO score, all the rest are just derivatives, imo, but they are a good guide.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby infomaniac » Fri Dec 10, 2010 11:08 pm

American Express offers a free score once per year which I do use, but under no circumstances will I allow them to use that as bait to enroll in their credit monitoring service.

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