topic Re: amex credit secure scores in General Credit Topics

amex credit secure scores

Anonymous — Sat, 12 Sep 2015 02:35:17 GMT

so this is a joke. i am currently on the phone with them now and the credit secure representative is stating that this score does not represent any other scores (to include fico as i mentioned to him on the phone) so don't fall for this. it's a "plus" score so it's amex's interal score that doesn't reflect real scores as he elaborately stated. don't spend the $15 a month for it.

Re: amex credit secure scores

jsucool76 — Sat, 12 Sep 2015 05:38:11 GMT

CreditSecure is not a FICO...the fico scores are free.

Edit The fico score from amex is free.

Re: amex credit secure scores

TheConductor — Sat, 12 Sep 2015 12:20:00 GMT

The reason to have CreditSecure is for the ability to sign up for unlimited daily 3-bureau credit reports. Scoring is not the killer feature there, it's the constant access to the full details of all 3 reports.

If scoring is your primary concern, CredtCheckTotal and myFICO are better services for that, among others.

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 12:50:08 GMT

i use myfico

Re: amex credit secure scores

TheConductor — Sat, 12 Sep 2015 15:09:19 GMT

@Anonymous wrote:
i use myfico

What were you looking to get from CreditSecure, then? More frequent scores? More frequent reports?

It's not as if they are at all misleading about what you get. Not only does the marketing splash page not mention FICO scores in any way, it clearly says they are PLUS scores in multiple places.

https://www295.americanexpress.com/premium/credit-report-monitoring/home.do

Compared to a lot of other "get your credit score" sites that are very coy about what score you will be getting, I think they are refreshingly up-front about exactly what the score is.

@Anonymous wrote:
it's a "plus" score so it's amex's interal score that doesn't reflect real scores as he elaborately stated.

Also, to be clear, the PLUS score is not an Amex internal score, it's an algorithm created by Experian. In my experience, it tracks pretty close to the EX FICO score, so as far as FAKO scores go it's at least better than some.

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 15:18:29 GMT

@TheConductor wrote:
The reason to have CreditSecure is for the ability to sign up for unlimited daily 3-bureau credit reports. Scoring is not the killer feature there, it's the constant access to the full details of all 3 reports.

If scoring is your primary concern, CredtCheckTotal and myFICO are better services for that, among others.

And if you don't need daily reports (and you probably don't!) , you can get EQ/TU free from CK every 7 days

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 15:21:09 GMT

i was just looking at options and that's the info i got from the guy on the phone. you're going way too deep into this so get off my case about it

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 15:28:16 GMT

i don't need "alternatives" i already use myfico

Re: amex credit secure scores

TheConductor — Sat, 12 Sep 2015 15:50:33 GMT

@Anonymous wrote:
i was just looking at options and that's the info i got from the guy on the phone. you're going way too deep into this so get off my case about it

This is a public forum meant to provide information to all who read this thread. I'm not on your case about it, but I'm wanting to make sure the thread provides the best information it can. Not just to you, but to everyone.

Just because you don't need alternatives, that doesn't mean others don't.

Just because you don't find the service worth paying for, doesn't mean it lacks any redeeming qualities others might want to pay for.

You made your original post in what I presume was a spirit of contributing useful information to the community. I have made mine in the same spirit.

We're all just here to help, and I'm on no one's case but my own.

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 22:09:07 GMT

American Express is now offering your Fico score for FREE and it is the Experian Fico score.

Re: amex credit secure scores

Anonymous — Sat, 12 Sep 2015 22:13:41 GMT

on some cards.

Re: amex credit secure scores

Thomas_Thumb — Mon, 14 Sep 2015 23:26:11 GMT

2011XTERROR wrote:
on some cards.

Not my Green card - No respect!

Re: amex credit secure scores

Anonymous — Tue, 15 Sep 2015 00:03:31 GMT

yeah they don't like the ED either