Reply
Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Amex CreditSecure - Opinion?

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
Mega Contributor
LS2982
Posts: 14,447
Registered: ‎04-09-2011

Re: Amex CreditSecure - Opinion?


armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I personally love it, I pull a 3 bureau report every morning for $25 a month.

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Re: Amex CreditSecure - Opinion?


LS2982 wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I personally love it, I pull a 3 bureau report every morning for $25 a month.

 


$25?

 

I thought it was $14.99 after 30 days trial.

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
Contributor
L-TWT
Posts: 96
Registered: ‎12-18-2011

Re: Amex CreditSecure - Opinion?


armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I use to receive my monthly "Plus Score's" VIA CreditSecure from AMEX, I found it to be pretty accurate to my actual FICO score. Cancelled the service due to AMEX increasing the price from $9.99 to $14.99 currently. Now i just purchase my credit score through FICO twice a year, for I'm 30yrs old and CHEAP!!:smileylol:

Wallet: AmEx BCP| Cap1 Cash Rewards Visa Sig| Citi Dividend WEMC|
MyFICO (EQ)776
03/01/13
Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Re: Amex CreditSecure - Opinion?


L-TWT wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I use to receive my monthly "Plus Score's" VIA CreditSecure from AMEX, I found it to be pretty accurate to my actual FICO score. Cancelled the service due to AMEX increasing the price from $9.99 to $14.99 currently. Now i just purchase my credit score through FICO twice a year, for I'm 30yrs old and CHEAP!!:smileylol:


Ty for your in put. I am planing to app for BCE in early 2013. I just hope my score will be good enough. Just PIF my Citi card, after the statement update in early December, my score should have another big jump. going from 15% util to about 8% util. No late or baddie. aaoa about 3 years. I have the Green from 10/12.

 

What are my chances?

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
Established Contributor
kobe2012
Posts: 587
Registered: ‎03-16-2012

Re: Amex CreditSecure - Opinion?


armbenderc wrote:

LS2982 wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I personally love it, I pull a 3 bureau report every morning for $25 a month.

 


$25?

 

I thought it was $14.99 after 30 days trial.

 


its $14.99 and you can only update your reports twice...... $25 for unlimited, you can pull a new report on all three everyday


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
tryin to garden!!!!!
/s1347.photobucket.com/user/elaineee0824/media/American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png.html" target="_blank"> photo American-Express-Blue-Cash-Everyday-resized-600_jpg_zps9edf9ad6.png">



Take the FICO Fitness Challenge
 
Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Re: Amex CreditSecure - Opinion?


kobe2012 wrote:

armbenderc wrote:

LS2982 wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I personally love it, I pull a 3 bureau report every morning for $25 a month.

 


$25?

 

I thought it was $14.99 after 30 days trial.

 


its $14.99 and you can only update your reports twice...... $25 for unlimited, you can pull a new report on all three everyday


I just read it, $14.99 for 2 reports every 30 days. $25 might be a better deal. :smileysurprised:

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
Contributor
L-TWT
Posts: 96
Registered: ‎12-18-2011

Re: Amex CreditSecure - Opinion?


armbenderc wrote:

L-TWT wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I use to receive my monthly "Plus Score's" VIA CreditSecure from AMEX, I found it to be pretty accurate to my actual FICO score. Cancelled the service due to AMEX increasing the price from $9.99 to $14.99 currently. Now i just purchase my credit score through FICO twice a year, for I'm 30yrs old and CHEAP!!:smileylol:


Ty for your in put. I am planing to app for BCE in early 2013. I just hope my score will be good enough. Just PIF my Citi card, after the statement update in early December, my score should have another big jump. going from 15% util to about 8% util. No late or baddie. aaoa about 3 years. I have the Green from 10/12.

 

What are my chances?

 


Based upon your "CreditSecure" Plus score's and the time frame at which u plan on opening your AMEX BCE, I would say your chances r very good! I bet once u open/start using your BCE u will probably hardly use the green, b/c no matter how much u would use your AMEX green, u will never break even in regards to the $95 AF

Wallet: AmEx BCP| Cap1 Cash Rewards Visa Sig| Citi Dividend WEMC|
MyFICO (EQ)776
03/01/13
Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Re: Amex CreditSecure - Opinion?


L-TWT wrote:

armbenderc wrote:

L-TWT wrote:

armbenderc wrote:

I read other thread about it. However, I still want your opinion :smileyvery-happy:.

 

Just signed up for 30 days free, and got the score on my sig.

 

It seems pretty in line with the real fico.


I use to receive my monthly "Plus Score's" VIA CreditSecure from AMEX, I found it to be pretty accurate to my actual FICO score. Cancelled the service due to AMEX increasing the price from $9.99 to $14.99 currently. Now i just purchase my credit score through FICO twice a year, for I'm 30yrs old and CHEAP!!:smileylol:


Ty for your in put. I am planing to app for BCE in early 2013. I just hope my score will be good enough. Just PIF my Citi card, after the statement update in early December, my score should have another big jump. going from 15% util to about 8% util. No late or baddie. aaoa about 3 years. I have the Green from 10/12.

 

What are my chances?

 


Based upon your "CreditSecure" Plus score's and the time frame at which u plan on opening your AMEX BCE, I would say your chances r very good! I bet once u open/start using your BCE u will probably hardly use the green, b/c no matter how much u would use your AMEX green, u will never break even in regards to the $95 AF


That is exactly what I was thinking. I am putting the re-occured creditsecure monthly on my green, just to show activity. Once I get the BCE, it will be my main card along with Freedom, and Citi Dividend.

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: Amex CreditSecure - Opinion?

I have been using Amex CreditSecure for many years and have been a very happy customer. Once I started pulling from myFico the scores have always been within 5 points, so it seems pretty accurate in my case.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+