AMEX Credit Reports
Feb 3, 2009, 7:49 am
#1
Original Poster
Join Date: Mar 2006
Location: RDU
Posts: 812
AMEX Credit Reports
I don't know if this a new feature of the AMEX Hilton HHonors card, but I haven't noticed it before. The new Benefits Update brochure
(Link) says the following (page 17):
(Link) says the following (page 17):
My Credit Score and Report
In these times, we know how important it is to stay on top of your credit health. As a Cardmember, we provide you with complimentary access to your credit score and report so that you have a clear understanding of where your credit stands. My Credit Score and Report gives you:
_ Complimentary access to your credit score
and report once a year for 30 days online
_ Access to toll-free customer education
professionals to help you understand your
credit information
You must log on to your American Express online account to access this benefit. Get your complimentary credit check now by visiting americanexpress.com/creditreport.
In these times, we know how important it is to stay on top of your credit health. As a Cardmember, we provide you with complimentary access to your credit score and report so that you have a clear understanding of where your credit stands. My Credit Score and Report gives you:
_ Complimentary access to your credit score
and report once a year for 30 days online
_ Access to toll-free customer education
professionals to help you understand your
credit information
You must log on to your American Express online account to access this benefit. Get your complimentary credit check now by visiting americanexpress.com/creditreport.
Feb 3, 2009, 8:14 am
#2
Moderator: American AAdvantage
Join Date: May 2000
Location: NorCal - SMF area
Programs: AA LT Plat; HH LT Diamond, Matre-plongeur des Muccis
Posts: 62,946
This seems more like an AMEX feature than a Hilton HHonors AMEX feature. But...
You can gain essentially the same information from www.myfico.com and other sites, as well as information on how your FICO score is calculated. (DO NOT request credit disclosures unless you wish to PAY for them.)
and you are entitled to a free annual credit disclosure aka credit report from each of the three major credit reporting agencies. Some of us get one every four months, staggering reports from CRAs so we get the freebie annually. Go ONLY to
www.annualcreditreport.com (the is the ONLY Federally / FTC authorized online source for you to get a free credit report under federal law.)
(Caveat: the "Free3BureauCreditReport. com" that advertises here on FlyerTalk is NOT Federally authorized and undoubtedly offers products for sale; it is an "Ads by Google" advert.)
You can gain essentially the same information from www.myfico.com and other sites, as well as information on how your FICO score is calculated. (DO NOT request credit disclosures unless you wish to PAY for them.)
and you are entitled to a free annual credit disclosure aka credit report from each of the three major credit reporting agencies. Some of us get one every four months, staggering reports from CRAs so we get the freebie annually. Go ONLY to
www.annualcreditreport.com (the is the ONLY Federally / FTC authorized online source for you to get a free credit report under federal law.)
(Caveat: the "Free3BureauCreditReport. com" that advertises here on FlyerTalk is NOT Federally authorized and undoubtedly offers products for sale; it is an "Ads by Google" advert.)
Feb 3, 2009, 8:53 am
#3
Original Poster
Join Date: Mar 2006
Location: RDU
Posts: 812
Yes, I'm aware of all of the above, but it is worth pointing out that myfico will charge for your credit score. This is a feature that I don't recall being available previously with the HHonors Amex card. Just thought I would point it out in case it is a new feature.
Feb 3, 2009, 11:07 am
#5
Moderator: Hilton Honors, Practical Travel Safety Issues & San Francisco
Join Date: Jan 2001
Location: San Francisco CA
Programs: UA, Hilton, Priceline, AirBnB
Posts: 11,040
moving to the AMEX forum
I see the rationale for HH but it properly belongs with Amex as it cuts across co branded cards -
Thanks -
squeakr
co-MOD Hilton
Thanks -
squeakr
co-MOD Hilton
Feb 3, 2009, 6:34 pm
#7
FlyerTalk Evangelist
Join Date: Aug 2001
Programs: DL GM, AA Gold, Hilton Diamond, Bonvoy Plat
Posts: 12,171
Credit Secure is a decent credit monitoring tool, and at $12 a month, not a bad price for 3 way monitoring. I subscribe to it.
Feb 3, 2009, 8:23 pm
#8
Join Date: Jul 2008
Location: MSP
Programs: Delta PM, Marriott Plat, Hertz Pres
Posts: 3,649
cool feature, i checked it out today, got my score for free, 701 not bad...if verizon hadnt screwed up id prob be a lot higher then that lol. dont think im gonna spend $12 a month for it though
Feb 3, 2009, 9:10 pm
#10
Join Date: May 2007
Location: Los Angeles, CA
Programs: Amex Platinum, Starwood Gold, VX elevate
Posts: 324
Not that this is a question to be asked here, but since we're discussing...What service do you all use to keep track of your credit and credit scores? The annual credit report that you are entitled to for free does not provide your credit score, just your current credit report from all 3 agencies, so everyone must be paying an outside agency. Your thoughts?
Feb 3, 2009, 11:11 pm
#11
Join Date: Jan 2007
Posts: 2,905
Not that this is a question to be asked here, but since we're discussing...What service do you all use to keep track of your credit and credit scores? The annual credit report that you are entitled to for free does not provide your credit score, just your current credit report from all 3 agencies, so everyone must be paying an outside agency. Your thoughts?