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For more than 150 years, American Express has been providing customers with services to meet their financial needs. Its services have evolved over the years to be primarily focused on credit cards, but the company also offers an identity protection product called CreditSecure, which monitors customers' credit reports and histories for unauthorized activity.
|#1 LifeLock ›|| |
|#2 Complete ID ›|| |
|#3 IdentityIQ ›|| |
|#11 American Express CreditSecure ›|| |
American Express offers comprehensive credit monitoring from all three major credit bureaus-Equifax, Experian, and TransUnion. In addition, customers have unlimited access to their credit scores.
If American Express notices any unusual activity on a customer's credit report, the company will immediately notify the customer to verify the action. If the action is determined to be fraudulent, the necessary steps will be taken to rectify the situation.
American Express' customer service department is available 24/7, which means that customers may contact the company at any time for help or support.
While American Express offers credit monitoring, the company does not monitor bank accounts, tax information, or social security numbers. This leaves several vulnerable places where identity theft could occur.
American Express offers some information on its CreditSecure website, however, there is limited information regarding pricing details, service plans, identity theft insurance, etc.
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Stay away from this service. The information they provide is pretty much useless, and when you run into an issue, expect no help. Last year, I experienced an issue. Since Credit Secure were not able to be of any assistance, which they claim they would, I requested to cancel my account over the phone with a representative. They kept charging my account, and when I requested a refund, they claimed that they couldn't find the phone call where I asked the representative to cancel my account.
we are able to have this service through our AmEx cards. it is comforting to know that when we travel or when Am Ex sees a charge that is unusual, they contact us to make sure it is us that made the charge. I feel like it is a service worth having.
I have had credit secure for a few years and it was good in the past, but this year I had a car accident and I didn't really think about it but I hadn't heard or received any texts messages in some time and just noted that my credit has suffered and although I have to take credit for my part, I am so disappointed that I was never notified with changes with texts like in the past. I will change to another vendor to assure I get information in a timely manner. Otherwise, it is of no use.
Service does not work. I had a score drop they missed then I could not get an updated credit score.
Like others I have subscribed to Credit Secure for many years. Recently the program change and not only were services reduced the price increased. Additionally since the change over I have not been able to consistently login to Credit Secure, I either receive an error stating subscriber id doesn't exist or that I have been logged out. Credit Secure has not been able to resolve this issue.
I had CreditSecure for several years but then they raised the price and decreased the coverage. After I cancelled, I was rebilled for the increased amount. It took me 2 hours on hold and chatting with AmEx to finally get the charge disputed. I still do not know if the charge will be removed. CreditSecure has THE WORST customer service.
I have been calling for 2 weeks on hold hours at a time with no resolve. I get an error message saying my subscriber id doesn't exist and American Express has been no help but the are charging my card for the service. I have been on hold for over an hour tonight. They finally picked up and asked same questions with no resolve. They are taking no responsibility at all. Brenda with Credit Secure just put me on hold again 1 hour minutes so far
I received an email that my account was being cancelled because my amx card did not work. When I attempted to call, I was advised that it would be a two hour wait to speak to someone. I called amx to determine if there was a problem with my card and was transferred back credit secure. Very poor customer service.
Appalling customer service. Was unable to talk to anyone to get guidance on Equifax breach, completely inadequate responses by email, 30 minute wait times on phone, cancelled my subscription without notifying me that my credit card information had expired. Its shameful that AmEx tolerates this sub-par quality, given their brand as a premium card company.
Extremely long wait time to speak with Credit Secure Customer Service (over 40 minutes) but otherwise a good product .
Don't Do It! Predatory business practices. $1 promotion for first time customers only (with no way of checking to see if you had previously enrolled). Ended up paying $17 for an "approximation" of my credit score when I could have received the ACTUAL scores from the 3 major companies for the same price. Terrible product, terrible customer service, terrible experience all around.
CreditSecure keeps cancelling my account, claiming there is missing information from one of the big 3 reporting agencies. CreditSecure won't say WHAT information is missing. When I call the reporting agency they are bewildered--as far as they know no data is missing and my credit is excellent. Have been through this multiple times--a major hassle and time waster. What are we paying them for?
I have to respectfully disagree with the review of the Credit Secure service. First, as the name implies, it only protects and monitors your credit and not your identity, which allows them to keep an extremely competitive price point of $14.99/month. I switched over from one of the major Identity/Credit monitoring services because of their poor customer service and $24.99 monthly rate. Amex Credif Secure gives me two full credit reports each month, and I can easily submit fraudulent activity claims through American Express with certainty that the Credit Secure department will cover me. My most recent case was someone charging $250 on one of my Amex cards... Within minutes of calling Amex fraud, they had me on the line with Credif Secure and we set up fraudulent charge alerts for specific cards. All three bureaus were notified and I even received letters in the mail from them. I could not be happier with the service, and as far as billing goes, it has been $14.99/month each month with no hidden fees or up-charges.