Using credit score through Amex/Discover/any bank?

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Generallisimo
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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 consumerinfo.com

My problem with that? consumerinfo.com is a mirror site for freecreditreport.com (both run by Experian). If they have nothing to hide, why change the name? If anyone is familiar with them, free creditreport.com 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?


jeffysdad
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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 (Amazon.com, 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.

infomaniac
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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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