USAA CC's

[Anonymous]

Does anyone know what CA USAA pulls from for their cc approvals?  I started banking with them last month and I noticed they did a soft pull of my EX but I hear they pull from EQ...just want to make sure.

Thanks!

[gijoe4500]

They pulled Equifax for me. And I don't know if location matters, but if it does, I'm in Texas.

[Anonymous]

were you approved? I mean, with your current scores? Im scared to apply and get denied and waste an inquiry...

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@gijoe4500 wrote:

They pulled Equifax for me. And I don't know if location matters, but if it does, I'm in Texas.

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[Itsmeagain]

They pulled Equifax for my credit card app.  I am in Georgia.

[gijoe4500]

I was not approved.  Often times, if not approved, they will offer you a secured card instead.  I didn't even get that offer, because I have some old charge offs still on my credit report.

[CreditCrusader]

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@gijoe4500 wrote:

I was not approved.  Often times, if not approved, they will offer you a secured card instead.  I didn't even get that offer, because I have some old charge offs still on my credit report.

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I know FICO scores are no guarantee for approval, but I'd love to know what scores are necessary to get a foot in the door with USAA Mastercard. I just moved my checking and savings accounts to USAA and should be knocking on the door to 700 in the months to follow.

[gijoe4500]

The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent.  It was specifically the old charge-offs that I had that were getting me.  DOFD on the COs were 11/2005.

[Anonymous]

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@gijoe4500 wrote:

The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent.  It was specifically the old charge-offs that I had that were getting me.  DOFD on the COs were 11/2005.

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oh ok.  Just want to make sure and hopefully only pull EQ

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[Anonymous]

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@Anonymous wrote:

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@gijoe4500 wrote:

The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent.  It was specifically the old charge-offs that I had that were getting me.  DOFD on the COs were 11/2005.

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oh ok.  Just want to make sure and hopefully only pull EQ

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 since they did a soft pull on my EX when I opened my accounts with them

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[CS800]

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@gijoe4500 wrote:

The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent.  It was specifically the old charge-offs that I had that were getting me.  DOFD on the COs were 11/2005.

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Are the CO PIF?

Does it matter if they are paid?