My Credit Score & Report is a complimentary benefit offered exclusively to American Express® Cardmembers. You pay absolutely nothing. Simply sign up to gain access to your Credit Score and Report.
How long will I be enrolled in My Credit Score & Report?
Your enrollment in My Credit Score & Report will last 30 days. After 30 days, you will no longer have access to your complimentary Credit Score and Report. If you wish to continue enjoying access to your Credit Score and Report, you may enroll in CreditSecure.
Nice cause you don't even have to remember to call and cancel on the 29th day.
"We have encountered an error and are unable to process your order at this time. Please call Customer Care for any servicing questions at 1-888-771-4452
1. What is a 30 day review period? As an American Express® cardmember, we offer you the opportunity to review CreditSecure for 30 days. During this review period, you will receive one 3-Bureau credit report with credit scores. Your credit reports from the three national credit bureaus will be monitored daily for 30 days, and you will have access to all of the tools and resources available online. If you do not cancel your membership within the 30-day review period, your American Express card account will be billed $11.99 per month to continue receiving the valuable benefits of CreditSecure including unlimited access to your credit reports and scores. If you wish to cancel at anytime please call us at 1-866-617-1893.
"We have encountered an error and are unable to process your order at this time. Please call Customer Care for any servicing questions at 1-888-771-4452
Error Code: 0" I had the same problem in IE 6.0 It worked fine in Firefox.
1. What is a 30 day review period? As an American Express® cardmember, we offer you the opportunity to review CreditSecure for 30 days. During this review period, you will receive one 3-Bureau credit report with credit scores. Your credit reports from the three national credit bureaus will be monitored daily for 30 days, and you will have access to all of the tools and resources available online. If you do not cancel your membership within the 30-day review period, your American Express card account will be billed $11.99 per month to continue receiving the valuable benefits of CreditSecure including unlimited access to your credit reports and scores. If you wish to cancel at anytime please call us at 1-866-617-1893. Yes I'm sure, see my previous post. You appear to be looking at Credit Secure, which is why there is a cost associated with it. Credit Secure is what they would wish for you to purchase at the end of your FREE 30-day trial period of this offer. If you're still hesitant why not call 888-771-4452 and get reassurances?
As Abaliga above noted, make sure you begin on the correct link:
The AMEX Free report and Score is from Experian Only. You need to sign up for the Credit Secure trial to get the merged Score and Reports from Equifax/Transunion.
I have my Home Depot charge card showing up as "Key Derogatory" for the past 3 months. I only used this card once and I paid it off in full in June of 2007. I was 1.5 month late to pay it because I forgot all about it as I only used it once, but I did pay it in full in 2007. It also shows as a 0 balance. My credit score is now 650!!! What is going on? This card is in my drawer for almost 2 years with no activity. Why is it showing up as "Key Derogatory" for the past 3 months? I paid it in full almost 2 years ago. How do I dispute this?
Also, my previous address listed is wrong and my current employer listed is wrong.
Clicking on dispute and going through experian's website shows this:
I had 2 months of late payment charges and then I paid it in full, however, AMEX's Free Credit Report shows that the past 3 months have been "key derogatory".
I have disputed the "Key Derogatory" to experian. Should I pull my credit report from the other 2 bureaus also? Should I contact Citi as if why they reported it as "KD" for the past 3 months for my Home Depot card?
clevekid1 said: cool report. #'s are high though... mine showed 746 when I know it's more like 680-690. Same here. I wonder why there is so much discrpancy.
Mike89
Member
posted: Apr. 3, 2009 @ 11:52a
"We're glad to see your continued interest in better credit management with CreditSecure ®.
Although the 30-day review period membership is only available for first time customers, as a returning member, you automatically qualify for full membership benefits, including UNLIMITED ACCESS to your 3 Bureau Credit Report with 3 PLUS Scores® starting right now for only $11.99 a month!"
Oh well.
asarat
Happy Member
posted: Apr. 3, 2009 @ 12:28p
My score in Experian.com shows me 758 But here my score is 738.
Dont understand why I see this difference.
PoisnBGood
Senior Member
posted: Apr. 3, 2009 @ 12:32p
Hmm, is this thing even right?
It says I have "excellent credit" with 728... I'm positive I actually have weak credit around 640 because I have a ton over money taken out from 0% cards.
brinnan
Senior Member
posted: Apr. 3, 2009 @ 12:46p
Looks like a Plus score and a FICO score are not the same thing. Maybe that explains the difference.
Anyone else??? Sounds like they are snail mailing me something...
Thank You For Your Order! Congratulations! Welcome to credit peace of mind!
You will soon receive a letter to the address on your credit file confirming this order. Also included in the letter will be your Private Access Code, which you will need the first time you log into your account.
After that first time, the username and password you selected while ordering will enable you to access your account.
Remember, you can call our staff of experienced customer care representatives toll free at 1-888-771-4452, Monday through Friday 8am to Midnight EST and Saturday 9am to Midnight EST with any questions you may have.
Thanks again for choosing to call on us for your credit needs.
PorStaker said: Anyone else??? Sounds like they are snail mailing me something...Yep, I got the same thing, after they couldn't verify my identity online, either because I have frozen credit reports or because I recently moved...
gl012127
Senior Member
posted: Apr. 3, 2009 @ 1:05p
ok maybe someone here can point me in the right direction.
Situation: i have two credit card accounts that show up as open which are not reporting anything but nevertheless have a limit. one is from 2003 and one is from 2005. im pretty sure these are accounts which i stopped using either by calling the cc company or by not activating a new card.
Questions: Is it worth closing them?
How do i know who to call to close them?
tontot
Senior Member
posted: Apr. 3, 2009 @ 1:13p
I applied mortgage loan yesterday. The scores are around 730. This PLUS score is 728. So it is quite correct considering the fact that I just have one more inquiry.
mttatkns
Thrifty Member
posted: Apr. 3, 2009 @ 1:14p
gl012127 said: ok maybe someone here can point me in the right direction.
Situation: i have two credit card accounts that show up as open which are not reporting anything but nevertheless have a limit. one is from 2003 and one is from 2005. im pretty sure these are accounts which i stopped using either by calling the cc company or by not activating a new card.
Questions: Is it worth closing them?
How do i know who to call to close them?No, unless they have an annual fee or you are being rejected for cards because you have too much credit, it's better to keep them open as they should lower your utilization and increase your average account age.
gl012127 said: ok maybe someone here can point me in the right direction.
Situation: i have two credit card accounts that show up as open which are not reporting anything but nevertheless have a limit. one is from 2003 and one is from 2005. im pretty sure these are accounts which i stopped using either by calling the cc company or by not activating a new card.
Questions: Is it worth closing them?
How do i know who to call to close them?
Given today's circumstances. I would call them up and ask them to mail you fresh cards, then put a token charge on them to keep them open and active.
canhelp
Member
posted: Apr. 3, 2009 @ 1:41p
This is an information from FAQ: How much does My Credit Score & Report cost?
My Credit Score & Report is a complimentary benefit offered exclusively to American Express® Cardmembers. You pay absolutely nothing. Simply sign up to gain access to your Credit Score and Report.
1. What is a 30 day review period? As an American Express® cardmember, we offer you the opportunity to review CreditSecure for 30 days. During this review period, you will receive one 3-Bureau credit report with credit scores. Your credit reports from the three national credit bureaus will be monitored daily for 30 days, and you will have access to all of the tools and resources available online. If you do not cancel your membership within the 30-day review period, your American Express card account will be billed $11.99 per month to continue receiving the valuable benefits of CreditSecure including unlimited access to your credit reports and scores. If you wish to cancel at anytime please call us at 1-866-617-1893. Yes I'm sure, see my previous post. You appear to be looking at Credit Secure, which is why there is a cost associated with it. Credit Secure is what they would wish for you to purchase at the end of your FREE 30-day trial period of this offer. If you're still hesitant why not call 888-771-4452 and get reassurances?
As Abaliga above noted, make sure you begin on the correct link:
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