What if I'm not interested in the free credit score/report offers above?

If the free credit score offers above do not interest you, then you may be interested in 3-in-1 credit file monitoring . 3-in-1 Monitoring makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes. Credit Watch Gold with Three Bureau Monitoring Identity Theft Protection offers a free 3-in-1 credit report and unlimited Equifax Credit Report™ in addition to 3-in-1 credit file monitoring. You can order Credit Watch Gold with Three Bureau Monitoring online for $12.95 per month (3 month minimum required).
If you prefer to monitor your credit scores, Score Watch^TM offers FICO® credit score monitoring that includes detailed explanations for key score changes. Score Watch makes it easy to target your ideal score, see interest rates you are likely to receive and watch your score trend over time. You can order Score WatchTM online for $9.95 per month (3 month minimum required).
You may also be interested in receiving a copy of all of your three reports. The easiest way to receive a copy of all of your three reports is to order a "three bureau report" (also known as a merged report). A three bureau report simplifies the process, since you will not need to contact each bureau individually. You can order a three bureau credit report online for $29.95 (featured offer). You will also get your TransUnion credit score for free with this offer. Please note that, thanks to a recently passed federal law, consumers are entitled to a free credit report on an annual basis from each of the three credit bureaus.
You can also get unlimited online credit reports from all three credit bureaus and unlimited online credit scores from all three credit bureaus for $14.95 per month (featured offer). Getting all three of your credit reports and all three of your credit scores will give you the most complete picture of your credit standing.
Equifax also offers several online credit scoring products in affiliation with Fair Isaac & Co. (providers of the FICO credit score). These products do not include a free trial and vary in price (single report and score is $15.95).

TIPS

• Review bank account statements and credit card bills closely. Dispute unauthorized purchases within 60 days. Keep receipts and match them against statements.
• Don’t lend your credit, charge or debit card to anyone. You can be held responsible for any purchases made.
• Pay more than the minimum monthly payment; even a few dollars more helps. Making minimum payments means it will take longer to pay off your balance and will increase the amount of interest you pay.
• Pay on time, since late payments can raise your interest rate and have a negative effect on your credit history.
• A damaged credit history can affect your life. It can make it difficult to get a loan, apartment or even a job.

Financial Information/Filings

New Segment Presentation effective Third Quarter 2005
Effective September 30, 2005, American Express Company ("the Company") realigned its segment presentation to reflect the spin-off of Ameriprise Financial, Inc. (Ameriprise), formerly known as American Express Financial Corporation. The new segments are: U.S. Card Services, International Card & Global Commercial Services, Global Network & Merchant Services, and Corporate & Other. A full description of the new segments can be found in the Form 8-K filed with the SEC October 17, 2005. Financial and other information reflecting the realignment of the Company's segments is attached to the aforemention Form 8-K as Exhibit 99.1, and can be accessed through the link above.
Consolidated Five-Year Summary of Selected Financial Data
Extracted from the 2004 Annual Report; provides a five year presentation of key financial and non-financial metrics for the Consolidated entity.
Revision of Securitization Revenue Reporting
Beginning in the first quarter of 2002, the Company revised its presentation of Consolidated and Travel Related Services (TRS) revenues on a GAAP basis to better highlight the impact of securitizations. This filing provides financial information for 1999, 2000, and 2001 reflecting the change.
Common Share Statistics Adjusted for 3-for-1 Stock Split (distributed May 10, 2000)
Provides a five year historical presentation of adjusted Common Share statistics impacted by the 3-for-1 stock split in 2000, including earnings per share (basic and diluted), cash dividends declared per share, book value per share, market price per share, and common shares outstanding (average and ending).
Restatement of Segment Information Effective Third Quarter 2000
Beginning in the third quarter of 2000, the Company's Travelers Cheque (TC) operations, which had been included in the American Express Bank/Travelers Cheque (AEB/TC) segment since the first quarter of 1998, were included in the Travel Related Services (TRS) segment to reflect organizational changes. This filing on Form 8-K provides a historical restatement of financial information for 1998, 1999 and the first two quarters of 2000 to reflect a) the reported TRS segment and the restated TRS segment, including the TC business, b) the new reporting AEB segment which excludes the TC business, c) the old AEB /TC segment, as originally reported, and d) restatement of certain financial information by segment.

Credit Cards

Credit Cards: What You Need to Know
American Express has partnered with Consumer Action, a non-profit, membership-based organization, in an effort to provide educational information about credit cards to consumers. [More]
Families and Credit Cards
Also created in partnership with Consumer Action, this educational brochure is designed for parents who are weighing the merits of giving their children credit cards. [More]
Fraud Protection Center
Learn more about the different types of fraud, how we protect you, and how you can protect yourself. [More]