Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

USAA CR Inquiries

The last post in this topic was posted 2337 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

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?

Share this post


Link to post
Share on other sites

Had you done the Amex on the same day, the inquiries would've merged into one.

Share this post


Link to post
Share on other sites

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

Share this post


Link to post
Share on other sites

 

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

We're they listed as the same name on your cr? Or was their a slight diff. I had citibank/na and then I had just plain citibank

Share this post


Link to post
Share on other sites

 

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

 

 

USAA, specifically? And for the MC/Amex combo?

 

ETA: I did apps for my partner, sister, brother in law, mother and father. Did a MC and then Amex. All inqs were merged into one, for all 5 people. I'm posting based off of personal experience. YMMV, of course.

Edited by Matti

Share this post


Link to post
Share on other sites

USAA, specifically? And for the MC/Amex combo?

USAA, yes, but not the MC/Amex combo. Auto loan + CC on same day.

Share this post


Link to post
Share on other sites

28 inquiries... Truck it.. why are you shy now?

 

LOL...I'm getting obsessed with having my INQ at 0. Since I'm currently not on the C* list for EQ and it took since April to get them down to 1, I was trying to avoid having any more than necessary. I had 1 INQ when I applied, then apped for a CLI on NFCU CLOC, approved for both of those, Discover It, declined for that due to my 7yo BK7, so I have 4 now and trying to get it back to 0.

Share this post


Link to post
Share on other sites

 

28 inquiries... Truck it.. why are you shy now?

LOL...I'm getting obsessed with having my INQ at 0. Since I'm currently not on the C* list for EQ and it took since April to get them down to 1, I was trying to avoid having any more than necessary. I had 1 INQ when I applied, then apped for a CLI on NFCU CLOC, approved for both of those, Discover It, declined for that due to my 7yo BK7, so I have 4 now and trying to get it back to 0.

Anything under 10 won't hurt you unless your obsessed with 10 points.

Share this post


Link to post
Share on other sites

The last post in this topic was posted 2337 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By funkiehouse
      Noticed this on the Barclays site. Any thoughts on this? Is there a BOA US Air product I don't know about? I think there use to be a BOA US Air debit card...
       

    • By funkiehouse
      Anyone know much about Suntrust credit cards?
       
      I have an old student loan backed by them but that's my only experience with Suntrust.
       
      Doesn't look like anything too exciting but not too bad either. Not much of anything in credit pulls.
       
      https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards/CashRewards
       
      Anyone want to be a GP for one?
       
      The cash back card is 2% up to $6k on gas and grocery then goes to 1%.
    • By Aahz
      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?
    • By Quietman
      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!
       
       

       
    • By usermi
      Hi,
       
      I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score?
       
      Thanks!



  • Member Statistics

    • Total Members
      179,643
    • Most Online
      2,046

    Newest Member
    alanmana
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines