Reply
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012
0

USAA Credit Monitoring

Hello All,

 

I'm thinking about signing up for USAA's Credit Check Monitoring Premium. Has anyone used this service and what was/is your experience.

 

Thanks!

Established Member
scotrugby
Posts: 75
Registered: ‎03-09-2012
0

Re: USAA Credit Monitoring

I've had this service for about 5 months. 

 

My experience with it has been very good.  I like the fact that you can get all 3 bureau reports each day.

 

The other thing I noticed is that their FAKO score is remarkably close to the real thing.

 

I just pulled my Equifax yesterday on My Fico and it was 768. The USAA FAKO says 770.

 

They were also within 2 points of my Transunion score.

 

The price is right too.  $12.95 a month is a good deal.

 

I say go for it.

Regular Contributor
apandabear
Posts: 200
Registered: ‎03-15-2012
0

Re: USAA Credit Monitoring

I have been monitoring my credit report with USAA CCMP since the beginning of 2012. I used it a couple years ago too.

 

I like it. For the price, it's great. I "refresh" every single day, which means that I get to see all 3 credit reports each day. For $12.25/month, it's hard to beat.

 

The FAKO scores you can ignore completely. They are PLUS scores. The advice they give you is generally pretty useless too. But if you're trying to rebuild or watch your credit, it's a wonderful service to have. 

 

In addition to being able to pull everyday, they will alert you on changes via email or text. If you pull everyday, you might see less alerts, because you're seeing them pretty quickly. 

 

I really recommend the service. It's pretty useful.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
New Contributor
Reelax
Posts: 90
Registered: ‎06-26-2012
0

Re: USAA Credit Monitoring


apandabear wrote:

I have been monitoring my credit report with USAA CCMP since the beginning of 2012. I used it a couple years ago too.

 

I like it. For the price, it's great. I "refresh" every single day, which means that I get to see all 3 credit reports each day. For $12.25/month, it's hard to beat.

 

The FAKO scores you can ignore completely. They are PLUS scores. The advice they give you is generally pretty useless too. But if you're trying to rebuild or watch your credit, it's a wonderful service to have. 

 

In addition to being able to pull everyday, they will alert you on changes via email or text. If you pull everyday, you might see less alerts, because you're seeing them pretty quickly. 

 

I really recommend the service. It's pretty useful.


+1

Amex Blue 22.7k // Chase Freedom 24.2k // Chase Sapphire preferred 10.7k // Amex Starwood preferred Guest 5k // BofA Cash Rewards Visa 5k // BofA Cash Rewards MC 5k // Discover More 4.2k // Dell Financial Services 7k
Exp 787 // Equifax 784 // Transunion 780
Valued Contributor
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

Re: USAA Credit Monitoring

My recommendation would be to subscribe to a few services:

1 & 2 - would be SW and TU Quarterly monitoring found within this link http://www.myfico.com/Products/Products.aspx

3 - would be USAA CMS found here https://www.usaa.com/inet/pages/creditcheck_monitoring_main so that when you get SW alerts, you can then log-in to USAA CMS and pull all 3 reports for free to find out what exactly changed.

I have all 3 and couldn't be happier with either of them!

 

Contributor
tbolt2
Posts: 84
Registered: ‎03-11-2011
0

Re: USAA Credit Monitoring

In my experience, they are close only if you have  clean CR - I have a few negatives, my wife has none. The Experian Plus Score available through the USAA/Experian CMS for her has been close enough to the real scores for her, that we don't even monitor "real" scores for her any more, just use USAA to monitor changes in accounts on her report.

 

My report is a different story....The Experian Plus Score seems to penalize more for the negatives.  For me, the Equifax score through MyFICO is 18 points higher than Plus. TU score through WalMart is 87 points higher than Plus.  EQ has the cleanest report. TU and EX each have negative items.

 

I have been very pleased with their service over the last year or so we've been using it. Just to give you an idea of how good the customer service is: they were having problems with the "Printable Report" generating software on the website - it was not generating PDF files as it normally did. I called and the CSR gave me 2 months monitoring for free.......I wasn't even complaining - just letting them know that they were having intermittent issues again because my report would not generate, but my wife's did....

 


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


Take the FICO Fitness Challenge

New Member
mzhigherficoscores
Posts: 3
Registered: ‎10-13-2008
0

Re: USAA Credit Monitoring

I just purchased USAA Credit Monitoring and I love it! I receive my TU score from Walmart!

8-10-12 - USAA FAKOS - EXP: 688 TU - 676 EQU:657
8-10-12 - Walmart FICO TU - 627 Goal: 750
Wallet: Amazon - $600 Walmart - $400 Paypal -$300

I'm so EXCITED! And I just can't HIDE it!!!!!

New Contributor
ntx
Posts: 66
Registered: ‎08-02-2012
0

Re: USAA Credit Monitoring

I just subscribed yesterday to the USAA CMS.

 

For me, the PLUS scores are much higher than the others  ( BK in 2005, clean report since, incl. new car loan Oct. 2011 and $3K USAA Visa Feb. 2012 ).

 

8/11 USAA EQ: 733  USAA TU: 724  USAA EX: 747  

 

8/7 MyFICO EQ: 684  MyFICO TU:  688

 

8/7 Discover EQ (in approval notice):  657

 

 

 

Regular Contributor
doc101
Posts: 177
Registered: ‎11-27-2011
0

Re: USAA Credit Monitoring

I recently signed up for their services as well and I only wish I had signed up alot sooner. I am very pleased with what USAA has to offer.......go for it!


Starting Score:Equifax 543
Current Score:EQ658 TU 655 EXP627 updated 5/30/2014
Goal Score: 650


Take the myFICO Fitness Challenge
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
0

Re: USAA Credit Monitoring

Been using this services for years.  IMO USAA is the best value.


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+
}