Reply
Community Leader
Valued Contributor
DaveSignal
Posts: 2,094
Registered: ‎07-29-2011
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

[ Edited ]

MontegoMack wrote:

Are people really waiting to be offered the 50% discount? Why not just ask for it? I did and I got it.

 

No one should be counting on the scores, but rather using the information on the report information that they pull. I sure do hope there aren't people out there relying on their scores provided by USAA CMS to determine credit worthiness or viability.


 

Yeah I got it too.  I think people don't know how to talk on the phone.   But I just called up and explained that I use the daily pulls every day and monitor when payments post to each of my many credit cards and love the service and would like to keep it going with daily pulls.  No problem.  I said that I have been with USAA for a long time and would appreciate if they gave me some kind of discount.  No problem.  50%.  USAA is so easy to talk to.... definately my favorite bank.

EX:694 TU:744 EQ:701
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

I called today last minute although I got the email when you guys did. I got the 50% without asking although I would have. I also received some of the best customer service I have ever had! Oh by the way he didn't even bring up the FAKOs, just the alerts.
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

I am going to do one final pull now, just because, then call and cancel.  It stinks because I love keeping an eye on things since the bk.  Hopefully, I can get the discount too.  I am going to ask, that's for sure!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Community Leader
Valued Contributor
DaveSignal
Posts: 2,094
Registered: ‎07-29-2011
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??


4us- wrote:

I am going to do one final pull now, just because, then call and cancel.  It stinks because I love keeping an eye on things since the bk.  Hopefully, I can get the discount too.  I am going to ask, that's for sure!


You need to call and ask for daily pulls and a discount, not call to cancel.   USAA's customer service will generally do their best to get you what you want to the best of their ability.  If you call and say that you would like to cancel, they are not going to try to persuade you to do something else, they will just help you cancel because that is what you asked for.   If you like the service and would like to keep it at a discount, then you should specifically ask for that.

EX:694 TU:744 EQ:701
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

@DaveSignal, I agree they are very helpful!
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

Hi Dave,  thanks for the advice!   They did offer me the 50% off and said they'd note my account and I would need to call back tomorrow so it could go into effect.  I'm only planning on keeping it until by bk discharges.  I may not even need it now since all of my accounts are reported as  IIB with 0 balances.  I think I'll just keep it one more month. 

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

Interesting thing just happened....

 

I forgot to call back like I was supposed to on Tuesday.  The guy I spoke with on Tuesday said the rate would be $16 something or other a month for the unlimited pulls.  Well this guy I talked to today (who was super nice), added the $9.99 to my $12.25 plan, and gave me 50% off the total, bringing my monthly total to $11.12 per month.  He said it was only for 6 months, but he'd note my account and for me to call back at the beginning of April and tell them I want to continue the discount.  

 

Maybe you all can call back and get the same thing, only a dollar cheaper!  Hope this helps someone!!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??


4us- wrote:

Interesting thing just happened....

 

I forgot to call back like I was supposed to on Tuesday.  The guy I spoke with on Tuesday said the rate would be $16 something or other a month for the unlimited pulls.  Well this guy I talked to today (who was super nice), added the $9.99 to my $12.25 plan, and gave me 50% off the total, bringing my monthly total to $11.12 per month.  He said it was only for 6 months, but he'd note my account and for me to call back at the beginning of April and tell them I want to continue the discount.  

 

Maybe you all can call back and get the same thing, only a dollar cheaper!  Hope this helps someone!!


So unlimited EX only pulls or all 3 ? I suppose either way its not bad in compairson to what they're doing to us who arent asking

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??

I supposedly got one of the discount plans to keep unlimited pulls.  I can pull daily but only see the monthly summary report, will need to call in to see what's up.  The whole point for me is to see when things have reported across all three CRAs, I I can't get that on demand I don't need the service.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
0

Re: No more unlimited pulls with USAA Credit Check Monitoring Premium??


AF_23 wrote:

4us- wrote:

Interesting thing just happened....

 

I forgot to call back like I was supposed to on Tuesday.  The guy I spoke with on Tuesday said the rate would be $16 something or other a month for the unlimited pulls.  Well this guy I talked to today (who was super nice), added the $9.99 to my $12.25 plan, and gave me 50% off the total, bringing my monthly total to $11.12 per month.  He said it was only for 6 months, but he'd note my account and for me to call back at the beginning of April and tell them I want to continue the discount.  

 

Maybe you all can call back and get the same thing, only a dollar cheaper!  Hope this helps someone!!


So unlimited EX only pulls or all 3 ? I suppose either way its not bad in compairson to what they're doing to us who arent asking


For all 3

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+