American Express Review

By Kevin Mercadante

 

American Express is one of the most well-known credit card companies in both American and the world. Their card is not only accepted everywhere, but has virtually become known as the standard for class, service, and luxury. Having such a brand jump into the online credit monitoring space should make for a high degree of confidence. Indeed, they offer customers online access to all of their Experian, Equifax, and Trans Union credit bureau reports along with first class monitoring and Plus Score ratings for only $14.99 per month. In fact, with their special trial offer, you can get your first month for just a single dollar.
 

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Features & Highlights

Not only will you receive an excellent deal, you gain access to all three of your credit bureau reports, along with full online 24/7 monitoring. These reports are complete, comprehensive, and chock full of personalized information to help you really understand your credit position and know what to do if it needs to be improved. You will also receive access to your Plus scores. These are not the actual FICO numbers which lenders have access to and use when making loan and credit extension decisions, but they should be very representative of the actual information which is in your file. Additionally, the monitoring system comes with a full suite of customizable alerts. These can be set up for email, text, or even phone delivery each time a key change occurs to one of your credit accounts (inquiry, new address, new account, etc).

Within your credit reports you will receive a number of additional tools and helps. Detailed, personalized information will be provided to help you understand what it takes to improve and/or maintain good credit. There is also step-by-step fraud resolution assistance and identity theft protection insurance (where available). Finally, credit reports are monitored continuously and updated daily.

Sign Up Process

Signing up for this service is easy. The only thing to be aware of is that if your wish to do this online you must have an American Express card of some type. You might be able to sign up over the phone, but the general idea is to keep this service an added benefit for existing card members. Having said that, customers only need to enter in their account details and then just sign up for the monitoring service by agreeing to the terms and conditions. The entire process takes about 45 seconds to complete and is a no-brainer.

Pricing Concerns

What could be simpler than a $1 trial to a service that you should already be using anyway? Of course, you want to check it out and do your due diligence, but this is American Express after all. And, ultimately, you know that having this type of credit monitoring is simply cheap insurance when compared to the damage and devastation that could be done by a single identity thief. The 30 day trial period last much longer than other competitors. Finally, even after you trial ends, it is only $14.99 per month and may be canceled at any time.

Customer Support

American Express has always been known for their superb customer service. Their website provides a ton of valuable information. Be sure to check out the security center and financial education pages just to become familiar with all the incredible advice. You may also feel free to send the company an email or call their toll free phone line for assistance. They even offer a share your screen service which is similar to online chat, only better.

Ease Of Use

As with everything else that American Express does, using the online system and user interface is drop dead easy. You can quickly log in to the account area and view your credit reports, scores, or even establish some customized alerts to keep yourself better informed about what is going on with your account. All the help numbers are listed right there in case you ever need to take advantage of the fraud resolution support team.

Bottom Line

American Express has gone out of their way to create a high quality service that can help protect you against identity theft, online fraud, and anything in between. Take control of your credit today!

Contact Information:

3 World Financial Center
New York, NY 10285
 

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  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, OutOfYourRut.com. He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.

 

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