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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 on my Social Security card, credit reports or ANYthing else) in over two decades!
Clearly, I think, they're connecting to some bizarre, totally outdated database. But I soldier on (so to speak), confirming that I am, indeed this person and managed to get signed up.
After checking out my reports and learning my way around the CCMP site I return to the USAA site and notice that I actually entered my address wrong. So, I go to change it and, after entering the correct info and clicking next, the site informs me that it can't change info for MY MOTHER because we live at a different addresses. Now, I haven't spoken to my mother almost a decade and I certainly didn't enter her name anywhere at USAA or CCMP, (other than her maiden name as requested, but the name they posted back to me was her (third) married name) so I'm compleely flumoxed.
I poke around a little more and it seems I not only signed up for CCMP, but also managed to join USAA, which I thought was impossible for me. My father was in the Air Force and the Navy, but I haven't spoken him since the day I graduated from high school in 1987, so I would have no idea any of his relevant required info. My maternal grandfather was also in the Navy, but he died over 20 years ago, so again, I have no access to his info.
Yet, alas, I've somehow not only (literally) stumbled into USAA membership, but my account has somehow been created under a name that is no longer legally mine and been connected to my estranged mother's account.
DO things get any more bizarre?
Well, one more step for the DW. Approved for $16K on their Rate Advantage Platinum MasterCard, HP on EQ.
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!
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 Business Name NAVY FEDERAL CREDIT UNION Inquiry Date 09/04/2014 Alert Date 08/31/2014 Business Name NAVY FEDERAL CREDIT UNION THIS HAS BEEN BUMPED Inquiry Date 08/11/2014 Alert Date 08/31/2014 THIS HAS BEEN BUMPED Business Name PENTAGON FCU Inquiry Date 07/26/2014
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 that.
Then called into USAA (they have always been super nice btw) and asked for an increase on my AMEX CASH card that they issued me at $13,000. I also had a Visa with them that was at $3,000 that I never use, but they said they would have to pull 2 reports seeing that one was AMEX and one was Visa. So I opted for the AMEX increase. Came back doubled to $26,000. HAPPY, I'll take that too.
Then went to my PNC which is my main bank besides NAVY. Started at $10,800 and they raised me to $25,000. I'm happy with that also.
Decided to try CHASE which was about 20 months old. Started at $12,000 and asked for $25,000. Had to call in for that one and the lady said that a underwriter had to look at it and I would be getting a letter in 7-10 days. BUMMER...............My CLI high was shot down
So I said WTH and applied online for a CLI on my USAA Visa at $3,000 and it came back approved for $9,000
So I can go to bed HAPPY and content that I'm still in Garden mode with CLI's of $41,200.