topic Re: Signed up for USAA.... in Credit Cards

Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 17:22:58 GMT

Thanks to a couple of suggestions to sign up with this credit union, I did. Bad news is, the rep I spoke with said since the banks are in such trouble, they are tightening their belts, ALOT. She asked my scores and told me not to even think of applying for a credit card or mortgage until my scores are atleast 720. Good news is, they have alot of other money saving goodies. (Like pulling and checking my credit reports and scores!! No more TC for me)

Think I will just open a savings for now and send them some money every month. I've finished app-ing for atleast a year. I don't even want to know how many inquiry's I have running around. Now, I will just let time take over.

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 17:31:46 GMT

Congrats stef! Thanks for letting us know.

You've done exactly the right thing, imo in joining them but also starting a savings acct. with them.

Keep up the good work honey.

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 17:38:36 GMT

Thanks Sylvia! Got my foot in the door. Now, I will just wait. I doubt our country's financial crisis will change in the next year, but maybe my scores will.

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 17:49:59 GMT

QUESTION ARE YOU IN THE MILITARY ? I THOUGHT YOU HAD TO BE IN USAA OR MAYBE I'M THINKING OF SOMETHING ELSE THAT MY HUSBAND IS IN BUT YOU HAVE TO BE IN MILITARY, ETC

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 18:00:42 GMT

DH is military, yes. I was able to get my own number off of his membership. Signed him up, then I called and gave them his number and told them I wanted to be a member too. So, after some questions, she had me all set up. She did ask if my parents were military and if they ever used USAA. I know my father was in the AF, but he is dealing with so many other things right now, I am not about to bother him to see what CU's he ever used. She understood. But I guess it is good to know if you have/had a parent in the military, you may still be able to apply that way.

Re: Signed up for USAA....

stpn2me — Wed, 16 Jan 2008 22:35:24 GMT

I dont know if having a parent that served on active duty and gotten out of the service is enough. They either had to have the account active while on active duty or retired from the service with 20 years and even then there is a time limit. I think they will loosen the standards for those who have husbands or wives killed while on active duty, but this bank isnt for the general public. I was watching the rest of my unit come back from afghanistan today, and seeing the expression on their faces was enough to remind me why this bank is such an exclusive club. The active military endures more than the average person, so it is a perk that is worth reserving for the miltary.

To Stef,

I started out with a checking and Savings account about two years ago, and just now have my credit to where I have gotten all their credit cards. It really is a good program and worth sticking with..

Stpn2me

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 22:54:12 GMT

I think she was trying to get to the point to see if my father had been a member. It didn't really matter anyway since DH is in the Army.

Oh, we definitely plan on staying. They can hold my money while I build my scores up a bit higher. When the car insurance comes time to be re-newed, I do plan on calling them first. They have alot of things to offer I see.

DH is not looking forward to Afghanistan.

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 23:00:42 GMT

Me neither stef.

I'll say a prayer for his safe deliverance back to you when his tour of duty is up.

Re: Signed up for USAA....

Anonymous — Wed, 16 Jan 2008 23:08:47 GMT

Thanks so much Sylvia. His unit isn't due to go until 2010, but then if his MOS is needed, then he can get called earlier. I'd prefer to keep him home with me, but I don't officially own him, the Army does!

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 00:18:04 GMT

So, STE, tell us more about this credit monitoring service you speak of with USAA...

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 00:30:31 GMT

Boscoe... The rep said they had a 3 n 1 credit score and monitoring service. I typed in the search box for it, but it only gives a score and report for EX and it's 5.50 a month. For one report and score, a fako of course, it's still cheaper. I need to call and ask about the 3 n 1.

Re: Signed up for USAA....

haulingthescoreup — Thu, 17 Jan 2008 00:33:26 GMT

Hey, stef, welcome aboard! I so glad you're with them, and you'll find that the longer you're a member, the less they care about your scores.

I knew about their EX-only service, but I didn't know that they had a three-in-one as well. If you find out anything, can you post back here, pls? thanks!

And I didn't realize that your DH is in line to go to Afghanistan. Maybe by 2010, things will be different. Got my fingers crossed for your family!

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 00:47:25 GMT

Thanks Hauling. I think I will feel at home with this CU. The rep was very helpful. She asked me if I monitored my scores, and asked where, I told her here. Well, she said she could save money with the 3 n1 they have. I will call tomorrow and ask if she didn't maybe make a mistake. I know she clearly told me all three bureaus and scores for each and I want to say the price was around 14-15 bucks. She was talking a bit fast for me to keep up, though. Car insurance, credit cards, mortgages....I have not really even checked out the web-site completely. No more app-ing for me for awhile anyway. Need to get rid of inquiry's and let these new accounts age some.

I saw on the news where the US is NOT pulling any troops out of Afghanistan for many years to come. They asked for aide, and well, there we are. I forget what country was refusing to aide them. Of course we are at everyone's beck and call.

Thanks! I am hoping he doesn't have to go. He said he'd volunteer to go back to Iraq first. The idea of him being on foot in massive amounts of land mines terrifies him. Me too!

Re: Signed up for USAA....

stpn2me — Thu, 17 Jan 2008 01:52:24 GMT

Well,

I dont know if I would ask for Iraq, afghanistan was WAY better than iraq, in my personal opinion. It does look like afghanistan is going to be a long lasting duty station.

In reference to the car insurance, I used to have nationwide, and because of an accident I had in 2001 where a death occured, my rates were very high. Your record was supposed to be purged of that record and since that time I could not get that insurance. The time frame has lapsed and I was able to get underwritten by USAA and they have cut my rates in half. It is absolutly the best insurance I have ever gotten, I highly recommend it...

Stpn2me

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 05:13:37 GMT

The 3-in-1 credit monitoring from USAA is $25 a month.

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 13:39:13 GMT

Capt....how do we get to it? She told me to type in the search box, but I am only able to find the one for EX. I was going to call today to see if I was hearing things.

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 16:09:36 GMT

Here's the results after calling another Rep. You have to sign up for the credit check monitoring with EX and once you sign up with it, it gives you the option to add the other 2 bureau's. The total price for all 3 and fako's is 24.95 a month. Still cheaper than TC.

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 16:15:54 GMT

Yes, if you have the experian one, it shows the option of adding the other 2. For the last week or so, I've been pulling up a new credit report every day. I only have the experian one now, but I'm very satisfied with it.

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 16:20:21 GMT

Now, does this daily report show new stuff, or is it the same report for the month? EQ is dragging their feet and I want something off that was supposed to be removed in October. I don't want to have to keep paying for reports if I don't have to. I think the latest dispute is to be "resolved" by the 25th of this month.

Re: Signed up for USAA....

Anonymous — Thu, 17 Jan 2008 17:05:46 GMT

stpn2me wrote:

Well,

In reference to the car insurance, I used to have nationwide, and because of an accident I had in 2001 where a death occured, my rates were very high. Your record was supposed to be purged of that record and since that time I could not get that insurance. The time frame has lapsed and I was able to get underwritten by USAA and they have cut my rates in half. It is absolutly the best insurance I have ever gotten, I highly recommend it...

Stpn2me

I have USAA car and home insurance. Customer service is great and so is the website. I had my first claim recently and they handled it quickly and efficiently. I got the check in about a week, no hassles. I just hope they don't raise my rates...