topic Re: Not getting notification from USAA CMS in General Credit Topics

Not getting notification from USAA CMS

bichonmom — Tue, 19 Jul 2011 17:00:41 GMT

I opened a new CC, which just started reporting on two CRAs. When I log in and refresh my CR, it's showing up. But I did NOT rec'v any emails notifying me that the acct. was reporting. I found out when I refreshed my rept. the other day.

I spoke w/CS and they're going to look into it, but I was wondering if anyone has had this issue w/them.

Thanks!

Re: Not getting notification from USAA CMS

llecs — Tue, 19 Jul 2011 17:07:37 GMT

How far apart was it with regard to reporting and now? The USAA product is a CCT resale and CCT always lagged 3-5 days behind.

Re: Not getting notification from USAA CMS

bichonmom — Tue, 19 Jul 2011 18:31:52 GMT

Hmm. I'm not sure the exact date that they reported, but it was in the last week or two. I have Equifax CMS and was going to cancel now that I have the USAA CMS, but now I'm not sure if I should.

The rep didn't say anything about a delay and talked w/a supervisor while i was on hold.

Re: Not getting notification from USAA CMS

haulingthescoreup — Tue, 19 Jul 2011 19:11:56 GMT

Come to think of it, I haven't gotten any notices from USAA in forever.

Hmmm...

Re: Not getting notification from USAA CMS

Anonymous — Wed, 20 Jul 2011 04:41:21 GMT

@haulingthescoreup wrote:
Come to think of it, I haven't gotten any notices from USAA in forever.

Hmmm...

Yeah, but when you're a daily puller who needs notices?

Re: Not getting notification from USAA CMS

laz98 — Wed, 20 Jul 2011 04:45:34 GMT

i only occasionally get the updates, but i pull my reports pretty often, so i just figured that was why.

Re: Not getting notification from USAA CMS

bichonmom — Wed, 20 Jul 2011 05:33:37 GMT

Interesting... I got an email notice this afternoon. It may be the delay that Ilecs mentioned. I should still be getting a second notice for the acct. showing up on the second CRA.I know the second acct. just showed up yesterday, so I'll see how long it takes to get the second notice from them.

I don't pull daily because I was expecting to be notified by email of any changes.

I'm curious... how many CMS do most people have? I'm trying not to go overboard because they add up quickly. Right now, I have EQ CMS, Score Watch and USAA CMS through Experian. Plus myfico TU, but that's only quarterly. That's around $40 a month, which seems like a lot to spend on credit monitoring, to me.

I was planning on canceling the EQ CMS and only keep Score Watch, USAA CMS and myFICO TU. What's considered covering your bases without going overboard?

Re: Not getting notification from USAA CMS

Anonymous — Wed, 20 Jul 2011 07:03:09 GMT

@bichonmom wrote:
Interesting... I got an email notice this afternoon. It may be the delay that Ilecs mentioned. I should still be getting a second notice for the acct. showing up on the second CRA.I know the second acct. just showed up yesterday, so I'll see how long it takes to get the second notice from them.

I don't pull daily because I was expecting to be notified by email of any changes.

I'm curious... how many CMS do most people have? I'm trying not to go overboard because they add up quickly. Right now, I have EQ CMS, Score Watch and USAA CMS through Experian. Plus myfico TU, but that's only quarterly. That's around $40 a month, which seems like a lot to spend on credit monitoring, to me.

I was planning on canceling the EQ CMS and only keep Score Watch, USAA CMS and myFICO TU. What's considered covering your bases without going overboard?

I only have three.

EQ CWG: Daily & it allows you to see soft INQs;

USAA CMS: All 3 & daily.

TU: Daily.

Ideally I'd like a service that gives me daily EX & TU that also shows soft INQs.

Re: Not getting notification from USAA CMS

haulingthescoreup — Wed, 20 Jul 2011 15:33:06 GMT

@haulingthescoreup wrote:
Come to think of it, I haven't gotten any notices from USAA in forever.

Hmmm...

Duh me, I found all the notices in an old e-mail account that I no longer use. I thought I had changed everything over, but obviously not.

Changing e-mail accounts is almost as bad as changing names!

Re: Not getting notification from USAA CMS

bichonmom — Wed, 20 Jul 2011 17:13:26 GMT

O6, I agree completely. It's frustrating that there doesn't seem to be a CMS that has all of the features I'd like, so I end up with several services. I've also been considering keeping the EQ CWG (I have the same as you.) because it shows softs that the USAA CMS doesn't. And w/USAA CMS, I can see EX repts.

Haulingthecorp, I know what you mean about the email address! It's hard to remember everywhere to change it. I got a "lifetime address" at pobox.com, so if I change isp's, I don't have to update my email everywhere. I just login and change the forwarding email address. I've had it for over 10 years.

Re: Not getting notification from USAA CMS

laz98 — Wed, 20 Jul 2011 18:10:54 GMT

i have truecredit, USAA, & equifax 3-in-1 monitoring.

Re: Not getting notification from USAA CMS

bichonmom — Wed, 20 Jul 2011 19:30:25 GMT

Interesting... It looks like you're wanting a CMS from each of the 3 bureaus. Is that so you can pull the rept. to see any softs? Or have you found a difference in what they show? Like does it take longer for something on your EQ rept. to show up on the USAA CMS, since it's an EX product?

Re: Not getting notification from USAA CMS

bichonmom — Thu, 21 Jul 2011 20:57:08 GMT

Just got my notice for the new acct showing up on the second CRA. It looks like Ilecs was right: there is a delay of a few days from the time it shows up on the report until the email is sent.