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American Express credit scores

Regular Contributor

American Express credit scores

I saw they offer all 3 scores and their reports for a dollar , I was going to try it just for the 30 days but has anyone else tried it and liked it?

 

anyone know how accurate it is?

Message 1 of 13
12 REPLIES
Valued Contributor

Re: American Express credit scores

I just signed up for it couple days ago and its better than citi and discover. Kind of remind me of usaa. You can update your cr twice a month
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 13
Valued Contributor

Re: American Express credit scores

I have been using Amex Credit Secure for years and really like them. Once I got my scores through here and other sources such as Walmart and from other credit applications I have found the Amex Plus scores to always be within 1-10 points accuracy.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 13
Valued Contributor

Re: American Express credit scores

I dont know about scores but amex credit secure has me at 736 on all 3. Last tu score from walmart was 691, last eq score from DCU was 672 and i dont know EX
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 4 of 13
New Contributor

Re: American Express credit scores

I feel like there's too much lag time with the alerts- 2 days. personally, I prefer identity monitor from citi- the score analyzer feature was better & so is their explanation of score factors. Unless I'm doing something wrong, amex credit secure only breaks down ur score factors for experian.
I wouldn't rely on the scores from any credit monitoring service-all fakos.
Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 5 of 13
Highlighted
New Contributor

Re: American Express credit scores

But the fact that u can update ur reports twice a month is a nice feature
Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 6 of 13
Valued Contributor

Re: American Express credit scores

yes you can update twice a month but you need too wait 15 days to do it... 

like i pulled mine on the 14th and it wont let me do another one until th 29th unless i buy the unlimited pulls which is 25 a month... 

 

as for scores it has had me at 715 across all reports since i started using them in early november.. 

scores on here have fluctuated from 690's to 680's

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 7 of 13
Regular Contributor

Re: American Express credit scores

I registered for unlimited version for $24.99/mo one month ago because I'm doing rebuilding (GW, disputes, etc).

Pulled new reports and scores everyday and IMO they're doing a good job.

I also use CK, CS, Credit.com, Scorewatch, and the Quarterly myFICO TU.

 

My plan is to cancel the unlimited next month or two because I dont need it anymore.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 8 of 13
Regular Contributor

Re: American Express credit scores

If you use freecreditreport dot com product and Amex's they are identical in score.  Well at least it was 7 months ago when I used it for 2 months.



Message 9 of 13
Regular Contributor

Re: American Express credit scores

My Plus scores vary greatly from my real Fico scores - For instance my Equifax Plus score is 70 points higher than my real FICO score, While my Experian Plus score is 60 points lower than my real FICO score. I would not count on the Plus scores for any actual financial/credit decisions!

Message 10 of 13