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amex credit secure monitoring

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mossmanb5
Established Contributor

amex credit secure monitoring

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?

72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 1 of 20
19 REPLIES 19
Membersince2013
Valued Contributor

Re: amex credit secure monitoring


@mossmanb5 wrote:

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?


Fako scores are usually hit or miss....No one can give you an exact range. They're sometimes close though..

Arrival+ | Barclaycard Rewards Mastercard | Citi Double Cash | CapOne QS (2) | Citi Diamond P | Freedom | Fidelity Amex | Amex Plat | Old Blue Cash | PRG | SPG | BCP | HHonors Surpass | Cap1 Venture | Discover | CSP | Cap1 Venture1 | BOA CR&TR (2) | Ritz Carlton | Southwest Rapid Rewards | Hyatt (2) | US Airways Mastercard (2) | Wells Fargo Rewards Visa | Marriott Premier (2) |

Fico Scores as of 2/21/15 - EX: total crap, TU: total crap, EQ: total crap
Message 2 of 20
Anonymous
Not applicable

Re: amex credit secure monitoring


@Membersince2013 wrote:

@mossmanb5 wrote:

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?


Fako scores are usually hit or miss....No one can give you an exact range. They're sometimes close though..


I find that CreditSecure's FAKOs are within 20-30pts of my true FICO's, and right now actually are within 5pts.

 

Honest!

Message 3 of 20
Membersince2013
Valued Contributor

Re: amex credit secure monitoring


@Anonymous wrote:

@Membersince2013 wrote:

@mossmanb5 wrote:

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?


Fako scores are usually hit or miss....No one can give you an exact range. They're sometimes close though..


I find that CreditSecure's FAKOs are within 20-30pts of my true FICO's, and right now actually are within 5pts.

 

Honest!


Really? thats weird. Mine were waaaaayyy off. So off that i had to cancel the service.

Arrival+ | Barclaycard Rewards Mastercard | Citi Double Cash | CapOne QS (2) | Citi Diamond P | Freedom | Fidelity Amex | Amex Plat | Old Blue Cash | PRG | SPG | BCP | HHonors Surpass | Cap1 Venture | Discover | CSP | Cap1 Venture1 | BOA CR&TR (2) | Ritz Carlton | Southwest Rapid Rewards | Hyatt (2) | US Airways Mastercard (2) | Wells Fargo Rewards Visa | Marriott Premier (2) |

Fico Scores as of 2/21/15 - EX: total crap, TU: total crap, EQ: total crap
Message 4 of 20
Anonymous
Not applicable

Re: amex credit secure monitoring


@Membersince2013 wrote:

@Anonymous wrote:

@Membersince2013 wrote:

@mossmanb5 wrote:

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?


Fako scores are usually hit or miss....No one can give you an exact range. They're sometimes close though..


I find that CreditSecure's FAKOs are within 20-30pts of my true FICO's, and right now actually are within 5pts.

 

Honest!


Really? thats weird. Mine were waaaaayyy off. So off that i had to cancel the service.


Oh, It's way topsy turvy for the wife's CreditSecure.

 

Her EX FAKO shows 30pts higher than her EX FICO, her EQ is within 5pts, and her TU FAKO is 50pts higher.

Message 5 of 20
Involver
Valued Contributor

Re: amex credit secure monitoring

Credit scores on these sites mean nothing.

Use them primarily for monitoring changes. They have secondary benefits also, but the scores are meaningless.
Message 6 of 20
mongstradamus
Super Contributor

Re: amex credit secure monitoring


@Involver wrote:
Credit scores on these sites mean nothing.

Use them primarily for monitoring changes. They have secondary benefits also, but the scores are meaningless.

I would rather just use credit sesame for monitoring since its free. I do have another credit monitoring service from target hack, but i find Credit sesame to be fine for monitoring EX



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 7 of 20
One7
Valued Contributor

Re: amex credit secure monitoring

Credit scores are way off but the reports are great. You can pull a report from all three bureaus daily if you want.

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 8 of 20
Anonymous
Not applicable

Re: amex credit secure monitoring


@One7 wrote:

Credit scores are way off but the reports are great. You can pull a report from all three bureaus daily if you want.


Yep. this is what we do.

Message 9 of 20
lg8302ch
Senior Contributor

Re: amex credit secure monitoring


@mossmanb5 wrote:

on amex website they have a credit secure monitoring service that charges your card 1 dollar for the first 30 days then 15.00 a month there after. it says unlimited credit scores and reports for all 3 bureaus . does anyone have this and how close is it to the real scores?


All my Fako scores are in the same range as my Fico score +/- 10 points with the exeption of Equifax Fako being much lower. Credit Secure comes off Experian and if you are interested I would recommend the 1 x per month Citi for only 4.95$ / month.  Amex is not unlimited but I believe 2 x per month for 15$ and if you want unlimited pulls then you will need to pay even more. Do you really need to access more than once a month?  I am really happy with the Citi CMS on all 3 and not interested in the scores but rather the monitoring with a report once a month. Best value for my buck here Smiley Happy

Message 10 of 20
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