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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Clearly, I think, they're connecting to some bizarre, totally outdated database.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!
My DW seems to have been dropped from the Equifax Choppage block. She was not chopped in September, and now again not chopped in October. Presently, she is pulling both EIDT and Alert Plus and just B* today an inquiry dated 9/23/14 on her second pull of the day which makes sense being around 42.5 days ago.
Has anyone else had the experience of getting off the choppage list? Should she stop pulling twice a day and go down to just one puller, EIDT? She did back door twice in September to confirm no choppage, but has not since.
I have been getting a CreditKarma update weekly for a while now, just by logging in, and a week after my last update it would automatically just repopulate with a new report.
Today, I should have gotten an update, my last one was Oct 15, but the website is different and there is not the usual wording on the landing page like this (still showing for my DW):
Any ideas what might be going on here? Anyone else seeing this issue?
I also notice that my DW's login landing page is: https://www.creditkarma.com/dashboard whereas mine is now: https://www.creditkarma.com/myfinances/score and manually going to dashboard URL just brings me back to score URL again.