topic Re: American Express credit scores in Credit Cards

American Express credit scores

Anonymous — Fri, 21 Dec 2012 02:12:28 GMT

I saw they offer all 3 scores and their reports for a dollar , I was going to try it just for the 30 days but has anyone else tried it and liked it?

anyone know how accurate it is?

Re: American Express credit scores

jsickz32 — Fri, 21 Dec 2012 02:16:55 GMT

I just signed up for it couple days ago and its better than citi and discover. Kind of remind me of usaa. You can update your cr twice a month

Re: American Express credit scores

Epcot — Fri, 21 Dec 2012 02:18:31 GMT

I have been using Amex Credit Secure for years and really like them. Once I got my scores through here and other sources such as Walmart and from other credit applications I have found the Amex Plus scores to always be within 1-10 points accuracy.

Re: American Express credit scores

jsickz32 — Fri, 21 Dec 2012 02:20:51 GMT

I dont know about scores but amex credit secure has me at 736 on all 3. Last tu score from walmart was 691, last eq score from DCU was 672 and i dont know EX

Re: American Express credit scores

Anonymous — Fri, 21 Dec 2012 08:53:19 GMT

I feel like there's too much lag time with the alerts- 2 days. personally, I prefer identity monitor from citi- the score analyzer feature was better & so is their explanation of score factors. Unless I'm doing something wrong, amex credit secure only breaks down ur score factors for experian.
I wouldn't rely on the scores from any credit monitoring service-all fakos.

Re: American Express credit scores

Anonymous — Fri, 21 Dec 2012 08:54:06 GMT

But the fact that u can update ur reports twice a month is a nice feature

Re: American Express credit scores

creditnocash — Fri, 21 Dec 2012 15:47:09 GMT

yes you can update twice a month but you need too wait 15 days to do it...

like i pulled mine on the 14th and it wont let me do another one until th 29th unless i buy the unlimited pulls which is 25 a month...

as for scores it has had me at 715 across all reports since i started using them in early november..

scores on here have fluctuated from 690's to 680's

Re: American Express credit scores

pt2005 — Sat, 22 Dec 2012 00:45:21 GMT

I registered for unlimited version for $24.99/mo one month ago because I'm doing rebuilding (GW, disputes, etc).

Pulled new reports and scores everyday and IMO they're doing a good job.

I also use CK, CS, Credit.com, Scorewatch, and the Quarterly myFICO TU.

My plan is to cancel the unlimited next month or two because I dont need it anymore.

Re: American Express credit scores

Anonymous — Sat, 22 Dec 2012 00:49:08 GMT

If you use freecreditreport dot com product and Amex's they are identical in score. Well at least it was 7 months ago when I used it for 2 months.

Re: American Express credit scores

stefanc — Sat, 22 Dec 2012 02:29:38 GMT

My Plus scores vary greatly from my real Fico scores - For instance my Equifax Plus score is 70 points higher than my real FICO score, While my Experian Plus score is 60 points lower than my real FICO score. I would not count on the Plus scores for any actual financial/credit decisions!

Re: American Express credit scores

Anonymous — Sat, 22 Dec 2012 05:43:26 GMT

Just did the $1 amex trial. All three scores are 728...odd

Re: American Express credit scores

creditnocash — Sat, 22 Dec 2012 06:19:04 GMT

@Anonymous wrote:
Just did the $1 amex trial. All three scores are 728...odd

like i said my scores have been 715 across the board for 2 1/2 months.

will be pulling jan 1st same day ill app for the costco amex for giggles.

Re: American Express credit scores

Anonymous — Sat, 22 Dec 2012 07:23:13 GMT

Seems like a waste of $1