cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX Credit Secure

tag
sgs71
Regular Contributor

AMEX Credit Secure

Anyone here subscribe to Credit secure by AMEX?  I did the $1 free trial....I'm thinking it's a lot like CCT, it gives PLUS scores?

Message 1 of 5
4 REPLIES 4
Thomas_Thumb
Senior Contributor

Re: AMEX Credit Secure

I don't subscribe but I do have an AMEX charge card. I can go online and get an updated credit score monthly. The score I get is Fico 8 based on Experian CRA data.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 2 of 5
Anonymous
Not applicable

Re: AMEX Credit Secure


@sgs71 wrote:

Anyone here subscribe to Credit secure by AMEX?  I did the $1 free trial....I'm thinking it's a lot like CCT, it gives PLUS scores?


Yes, the scores provided are plus scores.  Amex secure is good with pulling reports and alerts but I'd use your Experian given on your Amex card for an actual score.

Message 3 of 5
takeshi74
Senior Contributor

Re: AMEX Credit Secure


@sgs71 wrote:

Anyone here subscribe to Credit secure by AMEX?  I did the $1 free trial....I'm thinking it's a lot like CCT, it gives PLUS scores?


From what I understand it's like CCT in that you get access to reports from all 3 but the frequency isn't the same.  Carefully compare and select the one that suits you best.  I'm currently getting a 500 error trying to access the pages on the service.

 


@Thomas_Thumb wrote:

I don't subscribe but I do have an AMEX charge card. I can go online and get an updated credit score monthly. The score I get is Fico 8 based on Experian CRA data.


The EX FICO 8 isn't from CreditSecure though.  Granted, AmEx customers have access to the EX FICO 8 with or without CreditSecure but CreditSecure is the topic here.

Message 4 of 5
thom02099
Valued Contributor

Re: AMEX Credit Secure


@sgs71 wrote:

Anyone here subscribe to Credit secure by AMEX?  I did the $1 free trial....I'm thinking it's a lot like CCT, it gives PLUS scores?


I formerly subscribed to Credit Secure.  It provides some good information, and is a means to look at one's report in detail.  However, you only get 2 updates per 30 day period unless you go for their higher priced product that allows for more frequent pulls.  I found that the 2 times updated reports was fine for my purposes, which was to track trends rather than actual scores.  My scores fluctuated very little during the time I subscribed and were a bit under what my true FICO scores were at the time.  The reports are good for seeing your utilisation and number of inquiries and when they will likely fall off, but other sources provide the same information.  For monitoring TRENDS, CreditKarma does pretty much the same thing, with their continued product improvements, for free.

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.