American Express CreditSecure

• 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.

• 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.