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Regular Contributor
lionsfan20
Posts: 195
Registered: ‎11-26-2012
0

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?

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

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 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
New Contributor
LilNYC
Posts: 184
Registered: ‎07-08-2012
0

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
New Contributor
LilNYC
Posts: 184
Registered: ‎07-08-2012
0

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
Valued Contributor
creditnocash
Posts: 2,222
Registered: ‎07-23-2012
0

Re: American Express credit scores

[ Edited ]

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 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012
0

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: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Regular Contributor
Tryon2improve
Posts: 201
Registered: ‎12-04-2011
0

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.



Regular Contributor
stefanc
Posts: 220
Registered: ‎11-16-2007
0

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!


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