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Regular Contributor
Asailorshort
Posts: 205
Registered: ‎06-04-2012

USAA CMS vs. actual CR

I subscribe to USAA CMS and overall love the service.  However, I've noticed at least a couple small differences on their CMS vs.what is on my actual CR.  For example, I have 2 30 day lates  fm June and oct 2007 on my EX report, but under EX on USAA CMS  it only shows a 30 day late on this acct fm nov 2005.  Has anyone else noticed discrepancies like this on their USAA CMS reports?

Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
Frequent Contributor
gamegrrl
Posts: 317
Registered: ‎02-09-2011

Re: USAA CMS vs. actual CR

Funny you should ask. I just posted a similar question.

 

I have three legitimate dings on my straight-from-the-source free annual reports that I just pulled. Three student loans with lates.

 

I just joined USAA CMS, and all three of the CRs on that site just show ONE negative, a student loan.

 

I have to say, at this point I have zero confidence in this service.



Starting Score: EQ 607 TU 693
Current Score: EX via Mortgage Lender 747 - EQ myFICO 785 - TU08 (Walmart) 736 - TU myFICO 722
Goal Score: 800+ across the board!
Regular Contributor
Asailorshort
Posts: 205
Registered: ‎06-04-2012

Re: USAA CMS vs. actual CR

I've also noticed that they only show a couple years worth of payment history under each account vs. the entire 7 years. Which also makes me wonder if the dings are factored  in and just not shown in the 2 year window that they display.

Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011

Re: USAA CMS vs. actual CR

USAA lines up exactly with what is on my actual credit reports.  YMMV is you have any late pays.

Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: USAA CMS vs. actual CR

Perhaps I am missing something also. The USAA CMS only shows 24 month account histories. Is there a way to show full histories?

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Frequent Contributor
gamegrrl
Posts: 317
Registered: ‎02-09-2011

Re: USAA CMS vs. actual CR

Even if they're only SHOWING two years of history, my Sallie Mae and Nelnet loans that have 180 day lates on them should still be showing up in the "Potentially Negative" area of the USAA report, but they're not. Also, in the summary area of the USAA report, it shows that I have ONE 'delinquent' account.

 

Weird.

 

I have no confidence in this service at this point.



Starting Score: EQ 607 TU 693
Current Score: EX via Mortgage Lender 747 - EQ myFICO 785 - TU08 (Walmart) 736 - TU myFICO 722
Goal Score: 800+ across the board!
Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012

Re: USAA CMS vs. actual CR

[ Edited ]

i went on a crazy app spree that resulted in denials so i have free CRs up the wazoo. CMS is accurate although lates aren't my problem; COs are. 

 

i saw that 2 baddies were removed from EQ before EQ sent me the "dispute is complete" email so i have faith in the TLs listed, balance, comments, etc.


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680

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