Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 358
Registered: ‎04-08-2013
0

USAA Card

Anyone know what CRA they pull from? Easiest card from them? Score needed?
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: USAA Card

Frequent Contributor
Posts: 358
Registered: ‎04-08-2013
0

Re: USAA Card

Yea I been one for about 5 years
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: USAA Card

They pulled EQ for me. Didn't have any luck until my score was over 700.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: USAA Card

EQ for me too. My DH has the advantage something or other but that's been awhile since he was approved. I was thinking about the WW Amex but I'm not sure anymore.
Senior Contributor
Posts: 10,820
Registered: ‎10-21-2012
0

Re: USAA Card

USAA typically pulls EQ and EX as alternate.  You need to have very decent scores (above 700+) and an overall clean CR.  However, as a prerequisite, you need to be a member to be elegible for any of their products.

Frequent Contributor
Posts: 358
Registered: ‎04-08-2013
0

Re: USAA Card

I just got 4 new accounts that just reported so I better let them report a few months. How long it take score to go back up after new accounts hit?
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: USAA Card

They have pulled EQ for both credits cards I have with them and the pulled EQ when I requested a CLI.  So, only EQ in my experience.  They have a secured card, which isn't hard to get.  If fact, I don't think any of the cards are that hard... I don't think you need a 700 either.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
0

Re: USAA Card

USAA pulled EQ for me. I dont know what my score was but I didnt have an active credit card  at the time. I had closed it about 2 years prior. I had a car loan for a year when I received an offer for the card in the mail. I was approved for $3000. Just my experience.


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: USAA Card

@Dave, I think it depends on your membership status. Full members can probably get approved for their cards with a sub-700 score but I think it is a bit harder for partial members.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.