AMEX CMS

[MontegoMack]

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.

[llecs]

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

[MontegoMack]

Right.

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

[p-]

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@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.

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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."

[p-]

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@MontegoMack wrote:
Right.

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

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

[llecs]

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@MontegoMack wrote:
Right.

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

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

[MontegoMack]

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.

[brcamacho]

Are the AMEX pulls real fico's?

[llecs]

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@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.

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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.

[llecs]

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@brcamacho wrote:

Are the AMEX pulls real fico's?

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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.