topic Re: AmEx CreditSecure in General Credit Topics

AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 05:39:43 GMT

I signed up DH & I for CreditSecure on Amex last week. I was hoping to start using the ability to pull daily credit reports, but it wouldn't allow me to do that because I'm still in the 30-day review period.

I called and asked a CSR about it. I asked if I could skip the 30-day review period and just start paying. She laughed and said unfortunately NOT. There's nothing I can do except wait the ENTIRE 30 days before I can get updated reports. But she did make sure to tell me that AFTER the 30-day review period, I can pull the reports as often as I like.

Crud. 18 days to go for DH. Even longer for me since I didn't sign myself up right away.

Is it July 15 yet?

Re: AmEx CreditSecure

aftermath — Fri, 27 Jun 2008 06:47:23 GMT

@Anonymous wrote:
I signed up DH & I for CreditSecure on Amex last week. I was hoping to start using the ability to pull daily credit reports, but it wouldn't allow me to do that because I'm still in the 30-day review period.
I called and asked a CSR about it. I asked if I could skip the 30-day review period and just start paying. She laughed and said unfortunately NOT. There's nothing I can do except wait the ENTIRE 30 days before I can get updated reports. But she did make sure to tell me that AFTER the 30-day review period, I can pull the reports as often as I like.
Crud. 18 days to go for DH. Even longer for me since I didn't sign myself up right away.
Is it July 15 yet?

Why not signup for TrueCredit? It is what the majority of the members here use. You can start updating from day one.

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 12:38:35 GMT

That 30 day wait takes forever-

You can backdoor TU and EX -

https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 13:02:16 GMT

Phoenix-rising wrote:

I signed up DH & I for CreditSecure on Amex last week. I was hoping to start using the ability to pull daily credit reports, but it wouldn't allow me to do that because I'm still in the 30-day review period.

I called and asked a CSR about it. I asked if I could skip the 30-day review period and just start paying. She laughed and said unfortunately NOT. There's nothing I can do except wait the ENTIRE 30 days before I can get updated reports. But she did make sure to tell me that AFTER the 30-day review period, I can pull the reports as often as I like.

Crud. 18 days to go for DH. Even longer for me since I didn't sign myself up right away.

Is it July 15 yet?

I cancelled CreditSecure about the 2nd week of my 30 day free trial. Even then, the cancellation didn't take effect until after the 30 day trial period officially ended.

Re: AmEx CreditSecure

Scamp — Fri, 27 Jun 2008 13:40:02 GMT

Phoenix-rising wrote:
I signed up DH & I for CreditSecure on Amex last week. I was hoping to start using the ability to pull daily credit reports, but it wouldn't allow me to do that because I'm still in the 30-day review period.

I called and asked a CSR about it. I asked if I could skip the 30-day review period and just start paying. She laughed and said unfortunately NOT. There's nothing I can do except wait the ENTIRE 30 days before I can get updated reports. But she did make sure to tell me that AFTER the 30-day review period, I can pull the reports as often as I like.

Crud. 18 days to go for DH. Even longer for me since I didn't sign myself up right away.

Is it July 15 yet?

You also can 'cheat' the system somewhat on CS with your EX report by clicking the 'Dispute' link - that takes you to your full, current EX report. No updated score, of course, but you can see what's posted and check for anything fishy turning up on your EX report.

I did that a few times during my 30-day trial period. I was hesitant to do it TOO often in case doing so earned me some kind of red flag with CS or a fraud alert with EX, but if you're really wanting to check for stuff that's posted, that's an option.

Hope this helps.

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 13:40:32 GMT

Between TrueCredit and CreditSecure is there any benefit to having one over the other? Any differences in what they offer?

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 13:58:56 GMT

Thanks Timothy and scapegrace for the "alternative methods". I'll see what I can do with that information.

Now that you mention it, I did do a dispute on DH's report the day after we got it because I noticed he that there was a derog TL for his mom's CC that he was recently added as an AU on. TU deleted the TL in about a day and I was able to see an updated report for him right away.

Message Edited by Phoenix-rising on 06-27-2008 08:58 AM

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 14:26:22 GMT

IMO- The only bad thing about CS is not having the reported dates.

For me- this out weighs the waiting 24 hours plus 1 minute for TC.

As with CS you can update every day without having to wait 24 hrs.

Phoenix-rising wrote:

Between TrueCredit and CreditSecure is there any benefit to having one over the other? Any differences in what they offer?

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 14:55:02 GMT

Thanks for the info Timothy. I think that 24 hr and 1 minute waiting period would drive me mad.

Re: AmEx CreditSecure

MidnightVoice — Fri, 27 Jun 2008 15:16:29 GMT

For me, the CS scores are VERY close to my real scores as well

Re: AmEx CreditSecure

Anonymous — Fri, 27 Jun 2008 19:30:46 GMT

I've had CS for months and love it! The scores are also close to my myfico scores, which is great!

Re: AmEx CreditSecure

oracles — Sat, 28 Jun 2008 04:31:31 GMT

how much were they off? thinking about getting it.

Re: AmEx CreditSecure

Scamp — Sat, 28 Jun 2008 14:28:19 GMT

oracles wrote:
how much were they off? thinking about getting it.

My CS FAKOs all seem to run about 50 pts. higher than my FICOS, give or take a few points.

Re: AmEx CreditSecure

MidnightVoice — Sat, 28 Jun 2008 15:09:31 GMT

MY CS scores are about FICO+10, my TC scores were FICO-40

Re: AmEx CreditSecure

Anonymous — Wed, 02 Jul 2008 20:41:26 GMT

oracles wrote:
how much were they off? thinking about getting it.

Mine were off by about 25-30 points.