I just canceled AMEX CreditSecure. I found that it did a poor job estimating my credit scores.

My Experian score was 75 points higher when I got it directly from Experian then it was when I got the Experian estimate from CreditSecure. Despite significant events, I also found that my CreditSecure scores never changed one time in the 5 or so months I had the program.

lepa71 said:Hi

Have anybody had the same experience with True Credit? I tried to sign up online with WalMart discount, but total comes up as $13.70 instead of $11.21. CR is useless, they said it is a tax in my state(MN). I know there is no taxes in MN for financial services.

Thanks

See this link re TrueCredit 3in1 Monitoring System Error and overcharged

I don't know where to find the info. Does Bank of America reports credit limit to credit bureau?

TommyHobbes said:I just canceled AMEX CreditSecure. I found that it did a poor job estimating my credit scores.

My Experian score was 75 points higher when I got it directly from Experian then it was when I got the Experian estimate from CreditSecure. Despite significant events, I also found that my CreditSecure scores never changed one time in the 5 or so months I had the program.

I recently had the opposite experience with CreditSecure. I just got an auto loan and the number they told me from Experian was about 50 points lower than the number I got from CreditSecure on the same day. So the next day I check again, and the numbers from CreditSecure are the same. Actually for the 3 months I've had the service my score hasn't changed at all from all three, even though I have been using my credit.

jfharper said:I've searched for this, but didn't find an answer...when you login to TrueCredit and view your 3 in 1 credit report, does this generate a soft pull or do I have to do something else? Also, how do check soft pulls from TrueCredit. Thanks for any clarification.

1. Does it generate a soft pull? Yes it does. But to generate one each day, you need to click on "Update report" link at least 24 hrs and 1 minute after your previous update, and follow the steps.

2. How do I check for soft pulls? Each CRA is different. Here: http://www.fatwallet.com/t/52/742598/10981972#m10981972.
Read section II of that message.

jfharper said:I know AUs are taboo, but I have a question.
I allowed myself to become an AU on my wifes account. Now the AU is reported on my CR. I just recently had the AU removed with the creditor, but how does the AU get removed from my CR...does it:
1. remove itself after a certain time?
2. Do i have to file a dispute.

If someone knows how could let me know, that would be great...thanks.

1 - yes, but it takes months
2 - if you want it off immediately

If you have Ameritrade a/c, mail them that you are concerned about their recent security breach and ask them what are they doing to protect your interests. They will give you a one year free credit monitoring service..

I tried it successfully.

I just got a free year of Trucredit from Lasalle bank. Apparently someone took home a laptop with my SSN on it, even though they don't believe anything was lost. Saves me from paying AMEX now.

DreamR2I said:If you have Ameritrade a/c, mail them that you are concerned about their recent security breach and ask them what are they doing to protect your interests. They will give you a one year free credit monitoring service..

I tried it successfully.

Thanks DreamR2I. I emailed them and they said they are sending out a packet for Triple Alert SM credit monitoring.

f1ipm0dsqd said:Has anyone tried Privacy Assist? i think its by FIA card services (BofA)
Unlimited access to Scores and Files 12.99/mo for 3 scores (Premier), 5.99 for EQ only..

from the website:

"With our 3-in-1 Credit Report, you get unlimited online access to a consolidated report..."

unlimited access or unlimited updates? if it's the latter, might work for bumpage.