topic Re: AMEX CMS in General Credit Topics

AMEX CMS

MontegoMack — Wed, 05 Sep 2012 19:21:20 GMT

Does anyone have recent experience with AMEX's CMS?

With the change USAA's , it looks like there will be a mass exodus, but I'm not sure where to exit to.

Though, the price difference well only be about $2 in the favor of USAA.

Re: AMEX CMS

llecs — Wed, 05 Sep 2012 19:24:59 GMT

The $15 option doesn't include daily pulls. As of Feb. last, you could pay $10 extra per month and pull all 3 daily.

Re: AMEX CMS

MontegoMack — Wed, 05 Sep 2012 19:28:59 GMT

Right.

USAA will have unlimited for $22.95 and AMEX unlimited for $24.95.

Re: AMEX CMS

p- — Wed, 05 Sep 2012 19:31:56 GMT

@llecs wrote:
The $15 option doesn't include daily pulls. As of Feb. last, you could pay $10 extra per month and pull all 3 daily.

From the FAQ on the AMEX site:

"As part of your enrollment in CreditSecure® you are able to access two three-bureau credit reports and scores every 30 days, which allows you to frequently review your credit information for inaccuracies. When you request a new report we will show you how many credit reports and scores you have remaining and when you can next request your credit information."

Re: AMEX CMS

p- — Wed, 05 Sep 2012 19:34:38 GMT

@MontegoMack wrote:
Right.

USAA will have unlimited for $22.95 and AMEX unlimited for $24.95.

Wow, so for my wife and I it's almost 50 bucks a month. At that price I'll have to find another option.

Re: AMEX CMS

llecs — Wed, 05 Sep 2012 19:35:30 GMT

@MontegoMack wrote:
Right.

USAA will have unlimited for $22.95 and AMEX unlimited for $24.95.

Ah got it. I glossed over any mention of unlimited for USAA. At least they didn't turn into a CCT-like CMS.

Re: AMEX CMS

MontegoMack — Wed, 05 Sep 2012 19:36:00 GMT

I'm looking for whether or not people have actually been satisfied with the service and perhaps a feature that they find particularly attractive or useful.

Re: AMEX CMS

brcamacho — Wed, 05 Sep 2012 19:43:31 GMT

Are the AMEX pulls real fico's?

Re: AMEX CMS

llecs — Wed, 05 Sep 2012 19:52:27 GMT

@MontegoMack wrote:
I'm looking for whether or not people have actually been satisfied with the service and perhaps a feature that they find particularly attractive or useful.

While I never did subscribe, I believe they are just like USAA's CMS with regards to the graphics, layout, etc. It's Experian-based and was basically the resale for CCT. So, if you like USAA's, then you'll like Amex CS.

Re: AMEX CMS

llecs — Wed, 05 Sep 2012 19:53:20 GMT

@brcamacho wrote:
Are the AMEX pulls real fico's?

No, there's no service anywhere that offers all 3 FICOs together...without the help of a lender's credit pull. Scores are PLUS FAKO scores.