topic USAA in Mortgage Loans

USAA

jenna4now2 — Sun, 02 Sep 2007 04:31:08 GMT

I got a call from USAA tonight.. they approved me for a $20,000 car loan at a pretty decent rate (8.5%), as opposed to the rate on the current car loan I have (with Drive Financial for 17.9%... grrr). USAA also gave me a $5000 Amex and a $5000 Mastercard this week. Clearly they pull EQ, as my other scores are not very good. I think my EQ score is in the mid 600's.

Jennifer Z

Re: USAA

jenkins — Tue, 04 Sep 2007 17:17:08 GMT

i cannot get anything with them, i have checking and savings with them and my auto and home insurance. My scores are only in the low 600's though. I really want to get my auto loan refi'd with them they give pretty good rates and it would be a lot easier making all these payments to the same company. Ive been denied for a CC with them so many times im not even going to waste my time applying for one anymore:(

Re: USAA

jenna4now2 — Tue, 04 Sep 2007 19:51:59 GMT

I was denied for their CCs over and over... but I got everything cleaned up on my EQ, and even with limited credit history, they finally gave me 2 $5K CCs, plus they just refinanced 3 cars for us at 9.8% (they had offered me 8.5% for a new one, but for refi they offered 9.8%, which is still better than what we have on any of them, so I can't complain at all). I'm hoping in 6 months or so I can ask for a lower rate. I just had to get the collections and public debts off my EQ... but fortunately, EQ is the easiest of the 3 to deal with. We have our checking with USAA, but my hubby wants to move it all to NFCU... he might reconsider now... LOL

Don't give up!

Jennifer Z