Reply
Established Contributor
Posts: 1,045
Registered: ‎12-30-2007
0

CS from Amex

Just a question..Is credit secure from Amex worth the $24.95 per month? It seems a little high to me in comparision to some of the others I've seen but wanted to check to see what everyone else thought..

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: CS from Amex


bamagirl1 wrote:

Just a question..Is credit secure from Amex worth the $24.95 per month? It seems a little high to me in comparision to some of the others I've seen but wanted to check to see what everyone else thought..


I think it is too much.  I had them for a year. Most of time, they had a problem to pull. I have myprivacymatters and it cost me $12.95. If you have USAA, you can signup thru them.

 

 

Ron.

Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011
0

Re: CS from Amex

Do you mean CMS (credit monitoring service)?  There's an excellent thread you can read click here to find out about all the different CMS's that are available. 

 

Hope this helps!



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Moderator
Posts: 10,555
Registered: ‎12-30-2011
0

Re: CS from Amex


bamagirl1 wrote:

Just a question..Is credit secure from Amex worth the $24.95 per month? It seems a little high to me in comparision to some of the others I've seen but wanted to check to see what everyone else thought..


For me, no; however, I think the only comparable product which is cheaper is the USAA monitoring (which is admittedly like half the price or something).

 

Then again I'm not in the religiously checking credit report camp; statistically if I ever had a problem that I didn't create, I can get it resolved before I really need my credit score (which I don't often), though Murphy's Law being what it is...

 

In any event, I get enough access to my report data from CK, CS, and the other freebie sites I'm probably mostly covered in the event something awkward winds up on my credit reports without my knowing about it, and that's really the only advantage I see to the pay for credit monitoring services, as their scores are almost all junk.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Super Contributor
Posts: 5,496
Registered: ‎05-23-2009
0

Re: CS from Amex

Established Contributor
Posts: 1,045
Registered: ‎12-30-2007
0

Re: CS from Amex

Thanks ya'll I'll check it out. I have USAA and I think I did a free trial.  I like to check stuff but at the same, I'm too cheap to want to spend that much each month and $24.95 seems alot to me..

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Regular Contributor
Posts: 120
Registered: ‎05-27-2012
0

Re: CS from Amex

Did AMEX increase the rates?! I remember it was $15 per month

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: CS from Amex


Ron1 wrote:

USAA credit check monitoring:

 

$12.25

 

https://www.usaa.com/inet/pages/creditcheck_monitoring_main?wa_ref=pub_global_products_bank_creditmo...

 

 

Ron.


There was actually a half price special posted a month or so ago. Unsure if it's still going on.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Moderator
Posts: 10,555
Registered: ‎12-30-2011
0

Re: CS from Amex


drkaje wrote:

Ron1 wrote:

USAA credit check monitoring:

 

$12.25

 

https://www.usaa.com/inet/pages/creditcheck_monitoring_main?wa_ref=pub_global_products_bank_creditmo...

 

 

Ron.


There was actually a half price special posted a month or so ago. Unsure if it's still going on.


Looks like it is when I check logged into their account interface for the CMS product specifically.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: CS from Amex

I think its worth it, unlimited 3 bureau pulls. I use it for EX and EQ. I still have my TU CMS.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.