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A "Funny" Thing Happend On The Way To USAA-CCMP


The last post in this topic was posted 3397 days ago. 


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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 :blush:


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Clearly, I think, they're connecting to some bizarre, totally outdated database.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?

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or perhaps, a family member opened a USAA acount in your name long time ago without your knowledge. And you have just stumbled into that account.

This is the conclusion I came to as well (there are reasons I'm estranged from my parents).

Going to call on Monday to straighten the name out and do a little investigation.

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Here is what happened...


When you have a military family member (parent) who is a USAA member, they automatically assign you a USAA number. You are essentially a member from Birth (I joined before my kids were born.) When they were teens they started receiving mail from USAA with their own USAA number.

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Are you a "full" USAA member (able to access their lending products)? Log in to USAA, and from the top nav, select Products>Credit Cards. If you're a "full" member, you'll be presented with an option to apply for a CC. If you're a "limited" member (no military affiliation), you'll get a message saying "Sorry, this product is not available to you"

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I'm a "partial member" of USAA, and I have access to apply to some of their credit cards.


I have checking, savings and CCMP.

devoid of snark



Moderately bad band name.


It was gonna be "vandal sans snark" -- better?



No, that one smells like a boiled egg fart.

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