topic Re: Real Credit reports from Amex Creditsecure in Credit Cards

Real Credit reports from Amex Creditsecure

MidnightVoice — Thu, 14 Feb 2008 14:52:15 GMT

Ok, I am probably dumb for not knowing this......

I talked to credit secure this morning to find out why Amex is not reporting (Apparently it takes "2-6 months"!!!!!!!!!!!). I also mentioned that I couldn't see soft inqs, and they said that for EX and TU you use the "dispute" tab and you can start a dispute, view you full report and then then not actually dispute anything.

So I know know that Amex is checking me monthly on EX, Barclays is checking me monthly on TU, and when Chase harded my EQ for a CLI, they also checked EX.

Interesting.

CreditKarma is also showing up on TU BTW.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 14:57:20 GMT

MidnightVoice wrote:
Ok, I am probably dumb for not knowing this......

I talked to credit secure this morning to find out why Amex is not reporting (Apparently it takes "2-6 months"!!!!!!!!!!!). I also mentioned that I couldn't see soft inqs, and they said that for EX and TU you use the "dispute" tab and you can start a dispute, view you full report and then then not actually dispute anything.

So I know know that Amex is checking me monthly on EX, Barclays is checking me monthly on TU, and when Chase harded my EQ for a CLI, they also checked EX.

Interesting.

CreditKarma is also showing up on TU BTW.

Yep, this is what has been referred to as the "EX backdoor." Start a dispute but don't complete it, and you get to see all your softs.

Amex didn't A/R me at all from the time I got the card in November until January. Then in January, the week after I requested my CLI, they hit me three times within a week. Nothing at all since then.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 15:12:36 GMT

I had not pulled CS as I did not want AMEX alerted of my recent collections-

Well CS found them and alerted amex.

http://experain.com/viewreport

I check my EX report all the time-

Re: Real Credit reports from Amex Creditsecure

MidnightVoice — Thu, 14 Feb 2008 15:19:21 GMT

cheddar wrote:

Yep, this is what has been referred to as the "EX backdoor." Start a dispute but don't complete it, and you get to see all your softs.

It is also the TU backdoor!

But not EQ

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 15:21:02 GMT

You can do the same thing with your TU report thru TC....

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 15:23:10 GMT

MidnightVoice wrote:

cheddar wrote:

Yep, this is what has been referred to as the "EX backdoor." Start a dispute but don't complete it, and you get to see all your softs.

It is also the TU backdoor!

But not EQ

Pretty cool. I didn't know you could do this with TU, too. I guess I never scrolled down the page to see the TU link.

That link's not working for me, though. It takes me to TU's site but I'm getting "page not found" errors.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 15:30:23 GMT

Timothy wrote:
I had not pulled CS as I did not want AMEX alerted of my recent collections-

Well CS found them and alerted amex.

http://experain.com/viewreport

I check my EX report all the time-

Can Amex use reports you pull from CS as the basis for AA? I wouldn't think they'd even be allowed to look at them, since there is information on there that's for your eyes only, like soft pulls, which your creditors aren't allowed to see.

The site you pull CS reports from is hosted by EX. I don't think the reports even go through Amex's servers.

Message Edited by cheddar on 02-14-2008 07:30 AM

Re: Real Credit reports from Amex Creditsecure

Anonymous — Thu, 14 Feb 2008 15:47:29 GMT

I've been thinking about signing up for CreditSecure. Is it equal to TrueCredit?

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sat, 16 Feb 2008 21:41:52 GMT

Everytime I get an Alert there is a AMEX AR the same day or the next day-

Soooo.......

cheddar wrote:

Timothy wrote:

I had not pulled CS as I did not want AMEX alerted of my recent collections-

Well CS found them and alerted amex.

http://experain.com/viewreport

I check my EX report all the time-

Can Amex use reports you pull from CS as the basis for AA? I wouldn't think they'd even be allowed to look at them, since there is information on there that's for your eyes only, like soft pulls, which your creditors aren't allowed to see.

The site you pull CS reports from is hosted by EX. I don't think the reports even go through Amex's servers.

Message Edited by cheddar on 02-14-2008 07:30 AM

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sat, 16 Feb 2008 21:44:31 GMT

It does not have reported dates- that is the thing it is really missing-

You can pull everyday- no need to wait 24 hrs-

My Accounts don't line up as well as they did on TC- but it did not take long to get used to it-

Nice summery's - and at 11.99 it is cheaper-

FretlessMayhem wrote:
I've been thinking about signing up for CreditSecure. Is it equal to TrueCredit?

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 00:40:07 GMT

MidnightVoice,

OK, you are not the only one that didn't know about this. After seeing your original post, I logged in to CS and "disputed" with EX and TU. Got to see my full reports, with all of the soft inqs.

Thank you. So, I guess we are both dumb... LOL

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 02:18:02 GMT

Scout1965 wrote:
MidnightVoice,

OK, you are not the only one that didn't know about this. After seeing your original post, I logged in to CS and "disputed" with EX and TU. Got to see my full reports, with all of the soft inqs.

Thank you. So, I guess we are both dumb... LOL

Make that all 3 of us. I just checked and found that Barclays has kept a GOOD eye on me - lol. This is a great tip! Thanks!

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 02:27:34 GMT

WhirledPeasPlease wrote:

Make that all 3 of us. I just checked and found that Barclays has kept a GOOD eye on me - lol. This is a great tip! Thanks!

Yeah, EX is working just fine for me but every time I try the TU link it takes me to TU's "Page not found" page.

Anyone else having that problem?

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 03:19:26 GMT

I logged in using my TC login and got to the dispute page. I'm not sure if it's normal, but it worked. I have a current EX report that I keep pulling to see soft pulls, so I didn't try it thru Amex.

HTH

Re: Real Credit reports from Amex Creditsecure

Red1Blue — Sun, 17 Feb 2008 03:27:21 GMT

I have signed up for CS. They said during the first 30 day trial period, I can not update my scores. I think next week it would be 30 days, I'll start using and see I like it. In the mean time, I am going to leave my subscription to TC in place until I figure if I want to drop TC or not.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 04:13:23 GMT

@Anonymous wrote:

@Anonymous wrote:

Make that all 3 of us. I just checked and found that Barclays has kept a GOOD eye on me - lol. This is a great tip! Thanks!

Yeah, EX is working just fine for me but every time I try the TU link it takes me to TU's "Page not found" page.

Anyone else having that problem?

i'm having the same problem.... :-/

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 04:23:33 GMT

concorduser wrote:
I have signed up for CS. They said during the first 30 day trial period, I can not update my scores. I think next week it would be 30 days, I'll start using and see I like it. In the mean time, I am going to leave my subscription to TC in place until I figure if I want to drop TC or not.

You can't update during the trial period, but you can update before the 30 days are up if you end the trial period early and agree to let them start billing you for it.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 04:24:16 GMT

concorduser wrote:
I have signed up for CS. They said during the first 30 day trial period, I can not update my scores. I think next week it would be 30 days, I'll start using and see I like it. In the mean time, I am going to leave my subscription to TC in place until I figure if I want to drop TC or not.

I did the same thing. I've had both for about 2 weeks and keep forgetting to cancel TC. Yes, it's easy to read, but I don't need both.

I'm curious to see what you think about CS. I love not waiting for 24 hours + 1 second to refresh.

-Peas

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 04:26:07 GMT

WhirledPeasPlease wrote:
I logged in using my TC login and got to the dispute page. I'm not sure if it's normal, but it worked. I have a current EX report that I keep pulling to see soft pulls, so I didn't try it thru Amex.

HTH

Cool! Thanks for that tip. I didn't know you could do it through TC, too. TU still doesn't work for me when I go through CS, but it does when I go through TC.

I see all my Citi and WaMu promo pulls, and I also see that Juniper AR'd me for the first time ever in January.

Oddly enough, AAA has been promo pulling on me about every two months, and I don't even own a car.

Re: Real Credit reports from Amex Creditsecure

Anonymous — Sun, 17 Feb 2008 04:32:34 GMT

cheddar wrote:

WhirledPeasPlease wrote:
I logged in using my TC login and got to the dispute page. I'm not sure if it's normal, but it worked. I have a current EX report that I keep pulling to see soft pulls, so I didn't try it thru Amex.

HTH

Cool! Thanks for that tip. I didn't know you could do it through TC, too. TU still doesn't work for me when I go through CS, but it does when I go through TC.

I see all my Citi and WaMu promo pulls, and I also see that Juniper AR'd me for the first time ever in January.

Oddly enough, AAA has been promo pulling on me about every two months, and I don't even own a car.

Maybe BOA wants to give you the AAA Visa. My mother has that card and she gets confused when I say it's BOA. All she pays attention to is the name on the card, NOT the issuing bank. Silly woman!