Reply
Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: Garden party ruined by mistake :(


DI wrote:

 


RockinRay wrote:

Military service, you or an immediate family member must currently be serving or have served.

 

Ray


Ok.  I'll have to ask my dad if he's a member of USAA already.  He's a veteran.


If he's not already a member he can still join, and then add you as a family member.  That gives you a USAA number.  

 

To the OP, that's odd.  I am a full member and didn't get a pull when I opened a ck account a couple years ago.  I wonder if they changed their policy?

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Garden party ruined by mistake :(

 


p- wrote:

DI wrote:

 


RockinRay wrote:

Military service, you or an immediate family member must currently be serving or have served.

 

Ray


Ok.  I'll have to ask my dad if he's a member of USAA already.  He's a veteran.


If he's not already a member he can still join, and then add you as a family member.  That gives you a USAA number.  

 

To the OP, that's odd.  I am a full member and didn't get a pull when I opened a ck account a couple years ago.  I wonder if they changed their policy?


My dad think he's already a member.  What do I need to do?

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Garden party ruined by mistake :(

If you call USAA, they can look up his name in their computers and if they find him as having ever been a member, then you can join as a full member.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: Garden party ruined by mistake :(

And if you can get in, they are great!

 

As long as you Dad has a member number, you are entitled to join also. If he has not yet joined, he can and that will put you in the correct position to join.

 

We insure the cars, the house, have Roth IRA's, and have their Master Card. A great company that appreciates their members!

 

DI, I hope you can get in with them!

 

Ray

 

 

Ray

** Every Card has a Job, and Every Card does its Job **

Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Garden party ruined by mistake :(

Sorry for the thread jack OP.  I am now a full member of USAA.  My dad was already a member and he just added me.  I'm logged into my account now.  I'm about to check out the auto insurance rates to see if I can save.  

Regular Contributor
Posts: 107
Registered: ‎12-27-2010
0

Re: Garden party ruined by mistake :(

Thread jack served a great purpose... I can become full member too! Got family that served. 

Established Contributor
Posts: 913
Registered: ‎06-09-2011
0

Re: Garden party ruined by mistake :(


johnecova wrote:

Thread jack served a great purpose... I can become full member too! Got family that served. 



I might as well do my fair share of threadjacking too - how can I check if I'm a full member or not? I have an account through my wife, and hers is through her mom (who was in the Army). When I talked to USAA a few days ago, they said we cannot get any kind of insurance through USAA since her mom has never bought insurance from USAA herself - so the feature isn't available for either my wife or me.

So that sounds like we're not full members - but at least my wife should be since her immediate family member (her mom) is, and she's the one who originally set up my wife's membership back when she was still a minor.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
0

Re: Garden party ruined by mistake :(

Almost all banks and credit unions pull credit on opening accounts to be in Compliance with the Patriot Act.

 

It establishes identity.

 

(thats actually what the directive is) in fact it establishes that you are not someone on a list they should not be doing business with.

 

yes there are other ways to do this, yes it is a choice for the bank to pull credit and not use the other work arounds, but it it what it is.

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Garden party ruined by mistake :(

 


usmc58555 wrote:

Almost all banks and credit unions pull credit on opening accounts to be in Compliance with the Patriot Act.

 

It establishes identity.

 

(thats actually what the directive is) in fact it establishes that you are not someone on a list they should not be doing business with.

 

yes there are other ways to do this, yes it is a choice for the bank to pull credit and not use the other work arounds, but it it what it is.


Some do a hard pull and others do a soft pull. I recently opened an acct at 2 CUs and they both did soft pulls ONLY to join/open the account. When it comes to applying for the CC, then they would do a hard pull. If you ask before you apply/join, they will usually tell you if it's going to be a hard or soft pull.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
0

Re: Garden party ruined by mistake :(


bichonmom wrote:

 


usmc58555 wrote:

Almost all banks and credit unions pull credit on opening accounts to be in Compliance with the Patriot Act.

 

It establishes identity.

 

(thats actually what the directive is) in fact it establishes that you are not someone on a list they should not be doing business with.

 

yes there are other ways to do this, yes it is a choice for the bank to pull credit and not use the other work arounds, but it it what it is.


Some do a hard pull Which is why my keyword was almost. and others do a soft pull. I recently opened an acct at 2 CUs and they both did soft pulls ONLY to join/open the account. I believe hard pulls vs soft are "charged" at a different rate- maybe the cu went the cheaper route?. When it comes to applying for the CC, then they would do a hard pull. many banks/CUs that do the hard pull do it so at applicationn they can offer you credit products- especially LOC for checks and overdrafts. If you ask before you apply/join, they will usually tell you if it's going to be a hard or soft pull. Asking is always a good thing

 

 


Again, in my experience (keyword "my") most (keyword: "most") banks or credit unions do hard pulls on relationship inception. It would always be best to ask before you would appy if that one pull and minor score drop is a killer to you. 

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.