Hi guys, I have been using the AMEX credit secure service for close to two years now. I understand these services don't necessarily report 'actual' credit scores, but from day on all three of my credit reports under the service have shown the exact same score, and that score has not decreased or increased by even ONE point over the 2 years.
My 'credit' activities have by no means been static, i've refinanced mortgages, bought cars, done balance transfer. Surely these activities have effected my real credit scores in some way...
Has anyone else had the same expeirence with the Credit Secure scores? Do the numbers they come up with have any basis in reality???
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posted: Nov. 25, 2009 @ 9:35a
shirtpoker
New Member
posted: Nov. 25, 2009 @ 10:14a
I asked this same thing last month. My scores still haven't moved a point in over 4 months. I guess they don't update scores anymore.
pras
Senior Member
posted: Nov. 25, 2009 @ 3:07p
My scores have been varying depending on the credit card balances and credit inquiries. When I refinanced my home mortgage the score fell by about 30 points. After the new loan was reported it went up by about the same amount. Mysteriously Wells Fargo reported the new loan after 4 months. The previous mortgage, also from Wells Fargo was reported as paid instantaneously.
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