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CS from Amex

Established Contributor

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??
Message 1 of 11
10 REPLIES
Super Contributor

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.

Message 2 of 11
Valued Contributor

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
Message 3 of 11
Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 4 of 11
Super Contributor

Re: CS from Amex

Message 5 of 11
Established Contributor

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??
Message 6 of 11
Regular Contributor

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
Message 7 of 11
Senior Contributor

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
Message 8 of 11
Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 9 of 11
Mega Contributor

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.



EQ FICO 548 3/3/16
Message 10 of 11