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  1. Long time lurker, first time poster. I've recently had a terrible experience with USAA. I apologize for the long post in advance. The short story: A few days ago I logged into my USAA online and rather than seeing my savings and checking accounts, I was presented with "You currently have no accounts with USAA." The next day I called them and after about a half hour phone call (mostly on hold), the best they could come up with was that I'd have to wait 2 weeks for corporate to determine what happened! No reasoning, terrible service. Please read on for the specifics. The Facts: I'v
  2. This is for non-members. Members, just login and add CCMP to your services. For non-members: Go to www.usaa.com URL will be https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true Click on Our Products dropdown, Choose Credit Monitoring & ID Protection Scroll down to “Sign Up Today” and click on Sign Up for CreditCheck Monitoring Premium (CCMP) In the Not a member? Box, choose Get Started Answer No to “Are you already a USAA member?” If you get eligibility checkboxes, start over again If you get the “Tell us about your military affiliation” checkboxes, And you answer no, You’ll get
  3. So, when I signed up for MyFICO recently I didn't actually read , so didn't realize I'd only be getting one 3-in-1 report per year. Not acceptable, but totally on me So, I poke around CB per usual when I have a credit related question and eventually stumble across BW's Master How to Sign up for USAA CreditCheck Monitoring Premium (CCMP) Thread. Cool. I follow along his steps and, after entering my SSN the site returns a message asking me to confirm that I am [NAME REDACTED]. Now here's the "funny" part - the name they showed was my birth name, which I haven't used (and hasn't been
  4. Well, one more step for the DW. Approved for $16K on their Rate Advantage Platinum MasterCard, HP on EQ. Her Scores: Exp : 789 TU : 798 Eq : 806 Over the last twelve days, she's scored: AMEX EDC - $9,400 to $28,200 NFCU Flagship - $10,000 NASA Visa - $13,000 BECU - $25,000 BOA - $8,200 > $16,400 USAA - $16,000 For a total of $91,000 in new credit! I think this evening she'll apply for a second NFCU and a Citi card, then off to the garden!
  5. the last two inquiries shown on this report have long been B* from Equifax Complete. Does USAA not report updated Inquiries (hard) on a timely basis or do I have a problem? and it doesn't show a legit HI from Oct. 9th... May I assume that USAA is not at its finest on the latest and greates of HI reporting? Also, it is showing a CA that was removed almost immediately as the entry was in error... but it is still zinging my experian score...it is dated 9/15 and was removed by CA almost immediately after call from my lawyer... Alert Date 09/06/2014 THIS HAS BEEN BUMPED
  6. Has any one else noticed CCMP's questionable math? I get that they are counting all revolving accounts as both Retail and Bank cards, but how does 5+1=7 or 1+4=6? Any ideas? Any one else with similar results? Edit: grammar &c.
  7. Well after trying to freeze my EX report online I finally broke down and called them. Only took a couple of minutes but I just despise talking on the phone to "credit people". Maybe not "credit people" but it just amps my blood pressure up, LOL. Anyway, after I got my EXP frozen I applied online for a Bank of America credit limit increase. Had it over a year in June of 2013 and they started me off at $10,000. I left the amount I wanted out an applied, but it came back stating I had to put an amount in the CLI box so I put $25K. Came back with it increased to $18,000. I'll take tha
  8. Sometime in the last year, USAA upped my transfer limit from $5,000 to $9,000. I'm wondering if this is for all members or only some? However, it always says I have $344 in transfers that are scheduled or have been processed, even though that is not the case. I do have monthly automatic transfers in place which perhaps in aggregate are around $344 going in and out. Here is their wording: Does anyone else have this issue? I've never called them about it since I've never needed to get the full $9,000, but am curious none the less. Before the increase, to $9,000, I always had access to
  9. burghdude


    Good morning All. In multiple threads, I have seen people post the benefits of USAA membership and that there are ways that anybody can get membership. I have tried several times and have been denied because I am not active military and am not a veteran. My dad and grandfather were veterans, but did not have USAA membership. Are there other ways to qualify, such as NMFA membership or anything? I am a member now for the credit monitoring product, but would like to get auto insurance and open a bank account with them. Any suggestions would be greatly appreciated. Thanks!
  10. Something someone posted on "that other forum". USAA Offering EMV Chip and PIN ‎01-31-2013 02:05 PM I just got off the phone with USAA. They're converting my USAA Platinum MasterCard to a Chip and PIN card (actual Chip and PIN, mind you, with an... actual PIN). I didn't really get any details on whether it was available for Visa or Amex cards (likely not?), but I was told a) it will only come in the black design b ) it will have a PIN c) I get one PIN for my account, including AUs/additional cards d) I can't change the PIN myself e) card number/rates/rewards will not c
  11. I was approved last week for the Rate Advantage card and was going to try for the AMEX but didn't want another inquiry on EQ since it took so long for me to B* the 28 I had on there off. So, I called them this morning to ask and the guy said any new app would result in another hard inquiry and they couldn't use the pull from last week. Has anyone been able to get them to use a recent pull for a new app instead of pulling EQ again?
  12. I'm pretty new to the credit card game, so bear with me please.... I have a new USAA AmEx (5k limit) and USAA World MC (6k), as well as a new NFCU Visa Sig card (17.5k). All of these are currently in their first billing period - no statements have cut yet. I've been using the AmEx as a daily driver - groceries and gas (2x points) as well as daily dining out, and then every 3 or 4 days transferring enough funds into my USAA checking acct to cover the balance. When the time comes to pay it I'll use the transferred funds to PIF. I understand that AmEx is big on PIF and heavy use, and I
  13. HUGE shock yesterday. Did another mortgage pull to see if I can move things along a bit quicker, and there were TWO collection tradelines from the same garbage collector reporting. They were on EX only, and according to CREDCO, have been reporting since August. I've been pulling daily since July to *B EQ, and these TL's had never appeared before. One collection for $151, and another paid collection reporting as zero, and disputed. You can guess how the bank felt about that. Referred to manual U/W, and put everything on hold. I pulled CCMP again this morning, and one of the two th
  14. USAA offers it's members a product called "Credit Monitoring Premium" that allows you to view all 3 credit bureau reports monthly. Unfortunately, they locked the door on non-military members before I could sign up. I am hoping that someone can recommend an alternative product that will let me do this. Thanks in advance!
  15. Back in 2010 I applied for USAA AMEX Cash rewards card and sadly wasn't approved for that but they did offer me a USAA Classic Credit the with a limit of $1500. Fast forward 1 year and I call in for a Credit Limit increase and was told that THIS particular card was not available to receive a CLI and would NEVER be given a CLI. I then applied for the AMEX Cash Rewards card again and thankfully I was approved this time. I just sock drawered the Visa only using it every 6 months for gas. Last week they sent my replacement cards for the VISA and I seriously was considering canceling it.
  16. So I signed up for the National Military Family Association to get into PenFed. They sent me a letter in the mail ( I dont know how to attach a screenshot), but they said members of the NMFA are now eligible for USAA memberships. I am not sure how limited the membership is though. www.usaa.com/nationalmilitaryfamilyassn
  17. Just in the last week I've had all kinds of weirdness happen with my credit monitoring/ daily puller accounts. MyPrivacyMatters through EliminateIDTheft has locked me out of my account because they can't figure out how to charge certain credit cards. I called customer service and was told, very nonchalantly, that their system has problems processing MasterCard, AMEX, and/or anyone with Hotmail accounts. So, I gave them a VISA card, they said thanks, hung up and I'm still locked out. And they don't seem to answer ANY emails. Worst customer service ever. Call 'em and see. USAA errored ou
  18. So for the last couple of days doing b*, I've noticed that all of sudden each day I'm seeing a different number of inquiries for TU. As of tonight, it is showing 4 inquiries on MPM and 2 inquiries on USAA. Anyone have any idea why?
  19. After reading around the forum for a bit, I realize I've been very conservative in my timetable to improve my credit. So I decided to try for a couple of cards, either Visa or MC. This past Wednesday, i joined credit sesame and was recommended to go for a couple of cards, but chose the Capital One for Newcomers MC and got an instant $1000 approval. Yay! Then I read more on here only to learn that my husband does not need to be an NFCU member in order for me to join. He is an Army reservist currently, but has refused to join NFCU (can't get past the Navy name, I guess). I've wanted to j
  20. Ok... so Dear Neighbor has open loan with USAA never late on it as well as a mortgage which had a series of lates, however paid all on time for the last year. She has no other positive credit.. probably about 13-15 mediclal baddies however with collection agencies. I am going to coach her through handling them, however, she is interested in trying to at least open one account in the meantime to start it aging. My questions here are... 1 - Since the relationship with USAA has been ongoing with the loan for about 2 years, should i have her inquire about an unsecured product that may be weigh
  21. gca


    I have been paying $11.12 for USAA-CMP for the last few months. I guess my 6 months is over so they raised my rate to $22.24. Does threatening to cancel the product get you the old rate of $11.12?
  22. Being in the middle of a refi, I'm looking to keep daily tabs on my credit. After some research here, it looked like I could get USAA credit monitoring, as a Limited Member. I called today about joining to get their credit monitoring premium and was told that it was not available to limited members and even if one were a full member, they do not allow daily pulls without an additional charge per pull... Was the info I was given but the USAA rep wrong or was he right? Thanks!!
  23. Hi CBers! I was wondering if anyone knows if USAA gives initial cc limits like NFCU? I'm developing my strategy to get my white whales in 2014 and beyond. I'm not a full member yet as I'm trying to convince my father who is retired military to join.
  24. Is USAA a good secured credit card to go far? And are they available for non-military? I need another positive trade line reporting. What about Capital One secured? Do they report as secured? How are both of these companies in terms of graduating to unsecured?
  25. Does anyone know how I can cancel USAA CPM without talking to them? I tried to do it over email and they're not cooperating. Earlier today I sent this to creditcheckhelp@experiandirect.com: They responded with this: So I just sent this, and I'm sure they'll tell me to bug off again: I really don't want to talk to them. They annoy the crap out of me trying to get me to not cancel and going on and on for 10 minutes...they force me to be rude. I'll never sign up for their service again because I know what I'd have to go through to cancel. Really this is my fault for
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