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Amex - credit secure

New Contributor

Amex - credit secure

Today I decided to enroll into Amex credit secure unlimited. I was surprised how all the credit agencies are so close in numbers

 

 

 

 

This was the first time I had ever seen all my score at once. I had used myfico and when app Amex to get my FICO. My question is are these FAKO scores or are this a FICO score. My Amex and myfico on EQ is 771 pulled 11/21/12 and on Amex as you can see its 767 EQ pulled 12/12/12

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 1 of 12
11 REPLIES
Moderator Emeritus

Re: Amex - credit secure

They are FAKO scores, really nice FAKO scores.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 12
New Contributor

Re: Amex - credit secure

Thanks shotgun

 

Guess what I tired to login again and it kept asking me to enroll again which I thought it was strange, so I called the secure credit department and was told the BCE is not eligible for this service so it would be cancelled. No big thing I got a peek at all my score. 

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 3 of 12
New Contributor

Re: Amex - credit secure

New update

 

I called back the Amex Credit secure department and spoke to a supervisor and was told the same that BCE wasn't eligible. Since this department are not really amex employee's I told him that BCE wasn't a prepaid card  and not because it says cash everyday . 

 

He then decided to enrolled me again and everything was fine, 

 

Its sad that they didn't know 

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 4 of 12
Regular Contributor

Re: Amex - credit secure

Whats the difference between this and Equifax's product? Would you recommend one over the other?

 


Starting Score: <600 & No Score 2/2011
Current Score EQ : 726
Current Score (TU Walmart): 676
Goal Score: 750


Take the FICO Fitness Challenge
Message 5 of 12
New Contributor

Re: Amex - credit secure

To be honest this is my first time using this service. I have never used Equifax product before. However I am sure someone on this forum will be able to tell you the difference 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 6 of 12
Highlighted
Regular Contributor

Re: Amex - credit secure

TTT^

 

Is AMEX Credit Secure better than Equifax?

 


Starting Score: <600 & No Score 2/2011
Current Score EQ : 726
Current Score (TU Walmart): 676
Goal Score: 750


Take the FICO Fitness Challenge
Message 7 of 12
Valued Contributor

Re: Amex - credit secure


buildingitbackup wrote:

TTT^

 

Is AMEX Credit Secure better than Equifax?

 


Define better?!?!?

 

If it doesn't say FICO, it's not a FICO and no lenders use the score.

 

So what are you asking is better per say? The interface? The price?

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 8 of 12
Valued Contributor

Re: Amex - credit secure

They thought the BCE was a prepaid card so they deactivated you?!?!?

 

*facepalm*

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 9 of 12
Valued Contributor

Re: Amex - credit secure

I'm wondering if this isn't part fico 8, and their own internal score mixed.....
Message 10 of 12