topic Re: What CR does USAA pull? in Credit Cards

What CR does USAA pull?

SCYD — Fri, 25 Jul 2014 13:43:43 GMT

Does anyone know what credit report does USAA pull? And what scores you need for their American Express card?

Re: What CR does USAA pull?

TatorTodd — Fri, 25 Jul 2014 14:02:54 GMT

they pull my equifax on all my credit requests with them. I started with like a 660 when I got a 7K CL with their Amex. 12 months later I am at 22k.

Re: What CR does USAA pull?

greeneman21 — Fri, 25 Jul 2014 14:10:50 GMT

USAA will pull Equifax 99% of the time.

Re: What CR does USAA pull?

SCYD — Fri, 25 Jul 2014 14:12:14 GMT

@TatorTodd wrote:
they pull my equifax on all my credit requests with them. I started with like a 660 when I got a 7K CL with their Amex. 12 months later I am at 22k.

My Equifax is between 676 and 686, depending on which model they pull. However, I have a bankruptcy discharge from Oct. 2010, so not sure if I would qualify with them.

Re: What CR does USAA pull?

empiror22 — Fri, 25 Jul 2014 15:20:50 GMT

they mostly pull EQ, I recently re-applied after about 1.5 years from last time. I had a bunch of bad accounts from the mid 2000's and 2 that went bad/ went to collections in 2010 and they approved me for 6500 so its possible to have some bad stuff and get approved. (I do have to say that i did have a secured card with them for 2 years plus, with prefect payments, I have insurance, CDs and other products) this may have helped witht the approval.

Re: What CR does USAA pull?

empiror22 — Fri, 25 Jul 2014 15:22:37 GMT

my EQ score on myfico is 700, navy federal had it at 696 and usaa was 690.... all at the same period of time about 1-2 months ago.

Re: What CR does USAA pull?

alvon123 — Fri, 25 Jul 2014 19:05:01 GMT

@SCYD wrote:
Does anyone know what credit report does USAA pull? And what scores you need for their American Express card?

equifax

Re: What CR does USAA pull?

juggalo9er — Fri, 25 Jul 2014 19:20:58 GMT

if your a full usaa member app and are denied they will likely counter secured...thats what happened to me, i declined

Re: What CR does USAA pull?

SCYD — Fri, 25 Jul 2014 19:32:54 GMT

@juggalo9er wrote:
if your a full usaa member app and are denied they will likely counter secured...thats what happened to me, i declined

Do you mind sharing why they denied you for the unsecured version?

Re: What CR does USAA pull?

Anonymous — Fri, 25 Jul 2014 20:19:57 GMT

Yeah I'm pretty sure they pulled EQ for me. Was at EQ686 when I got approved for their Amex. I've had their insurance and checking/savings

(inactive with less than $20 in each) for ~4-5 years before the app. I've heard that weighs in some with USAA.

Re: What CR does USAA pull?

juggalo9er — Fri, 25 Jul 2014 20:27:22 GMT

sole reason for denial: bankruptcy