topic Re: USAA CreditCheck? in General Credit Topics

USAA CreditCheck?

Anonymous — Tue, 27 Oct 2009 22:44:16 GMT

Has anyone used this program with USAA? I think it sounds interesting to see your Experian report but wanted some other feedback...thanks!

Re: USAA CreditCheck?

Anonymous — Wed, 28 Oct 2009 02:23:26 GMT

@Anonymous wrote:
Has anyone used this program with USAA? I think it sounds interesting to see your Experian report but wanted some other feedback...thanks!

I use it. It's good. You get unlimited pulls from EX plus your EX score -- for what that's worth.

Re: USAA CreditCheck?

haulingthescoreup — Wed, 28 Oct 2009 02:27:00 GMT

It's a FAKO score, but the report is OK.

Re: USAA CreditCheck?

Anonymous — Thu, 29 Oct 2009 14:11:37 GMT

I use it. Just for the score though. I wish my plus score was my real score. It's best to know your FICO score too. When I first pulled mine using the USSA credit monitoring I was so happy and then I came over here and pulled my FICO, it was about 80pts lower. But the credit report is awesome and it doesn't mess with your inquiries. It's worth the 5.95. Hope this helps.

Re: USAA CreditCheck?

Anonymous — Thu, 29 Oct 2009 14:12:34 GMT

I meant I use it for the report only, sorry bout that.

Re: USAA CreditCheck?

JagerBombs89 — Fri, 30 Oct 2009 01:24:51 GMT

@Anonymous wrote:
Has anyone used this program with USAA? I think it sounds interesting to see your Experian report but wanted some other feedback...thanks!

I use the Credit Check.

I like the unlimited pulls i can get.

Im not worried too much about the score as im still young and know my credit length history is bad anyways lol.

But yes it is worth the $5.95 just to see whats on your report whenever you like

Re: USAA CreditCheck?

haulingthescoreup — Fri, 30 Oct 2009 10:32:40 GMT

Just so everyone remembers that it only gives you your Experian report, not the other two. Reports from the different bureaus generally don't match one another, except for those very new to credit. The rest of us have one account on one report, but not on the other two, and so forth.

Each report can be used to produce its own independently-generated FICO score, which rarely matches the other two. And of course, Experian refuses to let consumers buy our EX FICO now, so the best we have are the EQ and TU FICO's through here.

Re: USAA CreditCheck?

Anonymous — Fri, 30 Oct 2009 11:06:04 GMT

@haulingthescoreup wrote:
Just so everyone remembers that it only gives you your Experian report, not the other two. Reports from the different bureaus generally don't match one another, except for those very new to credit. The rest of us have one account on one report, but not on the other two, and so forth.

Each report can be used to produce its own independently-generated FICO score, which rarely matches the other two. And of course, Experian refuses to let consumers buy our EX FICO now, so the best we have are the EQ and TU FICO's through here.

On a somewhat unrelated note, there is always the Experian FICO NextGen available for Alliant Credit Union customers.

Only thing is, how the heck to decipher the NextGen. Any ideas?

Re: USAA CreditCheck?

Anonymous — Wed, 13 Jan 2010 18:39:45 GMT

They have an upgraded version for 12 bucks that gives you daily pulls of all three bureaus.

Re: USAA CreditCheck?

Anonymous — Thu, 14 Jan 2010 00:12:34 GMT

@Anonymous wrote:
They have an upgraded version for 12 bucks that gives you daily pulls of all three bureaus.

And it is great! Results in PDF format ... and you can get your EX soft inquiries.

Re: USAA CreditCheck?

JagerBombs89 — Thu, 14 Jan 2010 03:15:52 GMT

@Anonymous wrote:
They have an upgraded version for 12 bucks that gives you daily pulls of all three bureaus.

This

And I love it