migo13 wrote:I had a preapproval on there a few days ago. And when I clicked on offers today it was gone? Is it random?
Disappeared today for me as well, just as I was about to pull the trigger after refinancing my auto loan heh.
Ah well, nothing says: "Time to Garden" like a lender getting cold feet, for whatever the reason 
. I sort of suspect it might've been a mistake anyway, I've not had a single soft inquiry against my EQ report from them even with my having a secured installment loan through them.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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migo13 wrote:Been doing some reading. I've heard that they soft pull Experian for pre-approvals. If this is true, it would make sense because I have two new inquiries on my Experian. I just hope this won't affect the loan I'm about to apply for with them (it shouldn't because their hard pulls are EQ).
Hrm, I find it suspicous though that both of ours dropped effectively same day... we're a pretty small subset of the population.
I was planning to pull my full EX report in the October timeframe anyway, I'll see there. In other interesting news though, doesn't appear like I ever got a HP for the secured installment loan I opened up with USAA... which is just baffling to me, and I have seen all three reports since I picked up that loan, EQ was my last one to check and it ain't there.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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apandabear wrote:What product is the secured installment loan? I was wondering if they had one of those, but could never find one. Thanks!
I don't think they list it online, I simply called their CS department.
In this case it is a 100% LTV loan, secured by a variable rate CD. You get to pick the term, and USAA's interest rate is pegged at 2% above the CD's interest rate. For a $2500 loan with a 36 month term, it's about the cheapest quality tradeline one can get.
That said when I finally pulled my real EQ report recently, it does report as secured, but meh. I'm just looking to boost FICO .
Migo: it's all over the website and in my offers too; has been since the pre-approval went away in my case. I was going to apply with the pre-approval (since I want a USAA CC anyway), but I'll wait till end of the year instead of pulling the trigger now.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
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