American express credit report
#1
Original Poster
Join Date: Mar 2011
Posts: 67
American express credit report
I seem to recall obtaining a free credit report through Am Ex last year. This report also contained my FICO score. I logged into my acct but can not locate the link to the free credit report. Does anyone else remember being able to do this or am I mixing this up with another card I may have. If you know of another card that will get me a free report, including the FICO, please post.
Thanks,
Norm
Thanks,
Norm
#2
Join Date: Feb 2010
Location: US
Programs: (PM)AA SPG (Marriott), Hilton
Posts: 1,040
American Express offers a "American Express Credit Secure" monitoring service for $14.99/mo. The 1st month is currently $1 but may have been offered for free when your card was new and shiny or at some other point in the past. After the first month they charge you monthly, if you don't cancel.
If that wasn't it, then it's a different card. (For post completeness, Amex also offer an upgraded product for $24.99 if you want more than 2 reports a month, and other services.)
Log in to your American Express account. At the bottom, look under "Protection Services" -> "Credit Scores and Reports"
If that wasn't it, then it's a different card. (For post completeness, Amex also offer an upgraded product for $24.99 if you want more than 2 reports a month, and other services.)
Log in to your American Express account. At the bottom, look under "Protection Services" -> "Credit Scores and Reports"
Last edited by reft; Jan 2, 2012 at 12:10 pm Reason: update monthly pricing
#4
Join Date: Jun 2004
Posts: 3,742
Susan
#5
Join Date: Dec 2001
Location: London, UK
Posts: 342
One of the agencies (TransUnion) is offering a score as part of a preview of their credit monitoring service which can try for free for 7 days.
You can get the score right away on the web, but you have to call them to cancel. Annoying, but it was less painful than I thought to cancel (it took 5 mins) - just make it clear you don't want to buy anything.
You can get the score right away on the web, but you have to call them to cancel. Annoying, but it was less painful than I thought to cancel (it took 5 mins) - just make it clear you don't want to buy anything.
#6
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,880
One of the agencies (TransUnion) is offering a score
#7
Join Date: Nov 2011
Location: OC, California
Posts: 59
AMEX does a soft pull every month on the day your statement closes. While "Credit Secure" only supplies a crappy PLUS score, AMEX has a FICO every month when they soft pull you. If you can get in touch with the credit department, which honestly can be difficult to do as you can only be transferred to them from the customer service number and they work limited hours, they will tell you your score. I have done this on a few occasions to see how much of a difference FICO and PLUS are.
Give it a shot.
Give it a shot.
#8
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,880
#9
Join Date: Oct 2011
Posts: 158
Can someone explain how the PLUS score differs from your actual score? I've been using the PLUS score to monitor my credit so I just wanted to be aware of what differences to expect.
#10
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,880
PLUS is a proprietary scored calculated by Experian. FICO is a score calculated by all three bureaus using a formula licensed from Fair-Isaac. Most lenders use FICO. If you search online "PLUS vs FICO" you will find hundreds of discussions of the relative merits of FICO, PLUS, Vantage etc.
#11
Check out https://www.creditkarma.com/ - it's free because it has some ads. GREAT service, I use it all the time.
#12
Join Date: Mar 2010
Location: SAN
Programs: Hyatt Globalist, American Air, National Car
Posts: 1,131
Check out https://www.creditkarma.com/ - it's free because it has some ads. GREAT service, I use it all the time.
#13
Join Date: Sep 2011
Posts: 211
Check out https://www.creditkarma.com/ - it's free because it has some ads. GREAT service, I use it all the time.
#14
Join Date: Oct 2005
Location: New York City
Posts: 160
In my case, the credit score reported for a specific bureau by the credit card company was about 50 points LOWER than the score that the same bureau had sold to me directly. My impression was that a higher income will pull the weighted score lower.
I did end up with the card I had applied for.
#15