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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Clearly, I think, they're connecting to some bizarre, totally outdated database.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?
Good news for DW! She was approved by Boeing Credit Union for their $25K Visa Platinum! It was a TU hard pull (will enter into credit pulls data base)
Exp : 789
TU : 798
Eq : 806
Over the last ten days, she's scored:
AMEX EDC - $9,400 to $28,200
NFCU Flagship - $10,000
NASA Visa - $13,000
For a total of $76,200 in new credit!
Her current stable:
US Bank Visa : $7.5K (2006)
Sears M/C : $7.5K (2007)
Sears Store : $4K (2007)
Target Red Card: $1K (2006)
JC Penney : $4.7K (2006)
BOA Visa : $8.2K (2006)
AMEX PRG : $- (*D to 1992)
AMEX Costco : $4K (*D to 1992)
AMEX EDC : $28.2K (*D to 1992)
NASA Visa : $13K (NEW) - No HP
Navy Flagship : $10K (NEW) - EQ, TU
BECU Visa : $25K (NEW) - TU
She's hanging onto some of the retail cards due to AOAA, but rarely uses them. We started her rebuilding in 2006. Still working on her "pimp status" with these new pry bars as soon as they report.
I'm very new to posting to this forum but have been using it for reference over the last month and wanted to share my recon story.
I already had a Barclay's Reward Mastercard that I've had for over 7 months now and recently hit the CLI button. When asked how much I wanted, I was rather conservative and only asked for $250 which was granted after about an hour. So then I thought, perhaps I could have asked for more? So after reading on here about people calling the recon line to ask for more, I took a chance. After going over my account and answering a few questions, they granted me another $250!
So I decided to apply for the Barclays Apple Visa card. After submitting I got the denial message and told me that I would get a letter within 7-10 days stating why. I submitted that application on Friday right before 5pm. I decided to call the recon line to see if I could get it overturned but by then it was already after 5 and they were closed. So I gave them a call today and talked to a very nice lady about reconsidering the application. She looked at my history with them and asked about my recent new inquiries which are all because I'm still rebuilding my credit history after completing BK13 a few years back. She also asked about my limited credit history gap which was because of the BK. I answered all her questions and she said since I have a good history with them and have been managing all my accounts well, that she would approve my application. I was stoked!
This couldn't have been possible without the help and information that y'all provide on this forum. I can't thank y'all enough!