American Express CreditSecure
Is This Your Business?2.8
4.5
Overall Score
Author: Kaitlyn Short
For more than 150 years, American Express has been providing customers with services to meet their financial needs.
Although the company has evolved over the years to be primarily focused on providing credit card services, it also offers a credit monitoring and identity monitoring product called CreditSecure, which monitors customers' credit reports and histories for unauthorized and/or fraudulent activity.
Those interested in CreditSecure can request to do a $1, 30-day trial membership period.
Keep reading to learn more about American Express CreditSecure's identity monitoring service.
Top Ranked Companies
The Good
- Tri-Bureau Credit Monitoring
- 30-Day Trial Membership
- Real-Time Alerts
- Customer Service Availability
Tri-Bureau Credit Monitoring
American Express CreditSecure offers comprehensive daily credit report monitoring for all three major credit bureaus - Equifax, Experian, and TransUnion. In addition, those who sign up for the company's credit monitoring service will also have unlimited access to their FICO credit scores.
Many services that provide credit monitoring services, especially free credit monitoring services, do not offer tri-bureau monitoring, 30-day refresh rate, or FICO scores.
30-Day Trial Membership
As previously mentioned, American Express offers consumers a 30-day trial membership for its CreditSecure product. Consumers can pay $1 for this trial period. After the first 30 days of service, the company will begin to charge a recurring monthly fee of $16.99, which is lower than what some other services charge.
Real-Time Alerts
If American Express notices any unusual or suspicious activity on a customer's credit report, the company will immediately send a fraud alert notification to the customer to verify the action. If the action is determined to be fraudulent, the necessary steps will be taken to rectify the situation
Customers who have CreditSecure identity theft protection services can obtain dark web monitoring alerts, child monitoring services, social security number monitoring, alerts for personal information and personal data fraud, as well as lost or stolen wallet assistance.
CreditSecure also gives customers access to fraud assistance agents.
Customer Service Availability
Unlike some other companies in the industry, American Express' customer service department is available 24/7, which means that customers may contact the company at any time for help or support.
The Bad
- Lack of Other Monitoring Services
- Limited Website Information
Lack of Other Monitoring Services
While American Express does offer a credit monitoring service, the company does not monitor bank account information or tax information. This leaves several vulnerable places where identity theft could occur. Those who want this type of additional identity protection may have to look elsewhere.
Limited Website Information
Although American Express offers some information on its website about its CreditSecure product, there is limited information regarding identity protection services and plans, identity theft insurance, etc. Those who are interested in these details will need to contact a CreditSecure representative.
The Bottom Line
American Express CreditSecure is a fairly comprehensive product as it provides consumers with both identity and credit monitoring in one service.
CreditSecure gives consumers daily credit monitoring for all three major bureaus, as well as fraud alerts in the event that suspicious activity is detected.
First-time customers can try out the company's CreditSecure product for 30-days for the cost of $1.
With CreditSecure, customers can get FICO score tracking and alerts, credit report refreshes every 30 days, credit limit and credit utilization alerts, and identity theft protection services including dark web monitoring, child monitoring, social security number monitoring, and lost or stolen wallet assistance. Customers will also have around-the-clock access to dedicated fraud assistance agents.
Unfortunately, the company does not offer certain monitoring services like bank account or tax monitoring and lacks some important information on its website. It is unclear as to whether or not the company offers identity theft insurance or a variety of plan options. Additionally, the company has a 30-day refresh rate while some other companies in the industry offer weekly or daily refreshes.
If you are searching for basic credit monitoring and identity theft protection services in one place, American Express CreditSecure can be a good option for you. However, if you are looking for a service that provides hefty identity theft insurance, more robust identity restoration services, etc., we recommend that you take the time to consider other options.
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