topic Re: Pretty disappointed in USAA CMS in General Credit Topics

Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 03:06:06 GMT

I have been on the USAA CMS for a couple weeks now and pull my report al most every day watching for things to fall off and balances to get reported down. However, yesterday, I noticed a new, unauthorized hard inquiry from some JDB on my Experian report. That sucks by itself. However, I have not received any alerts from USAA about this. Aren't they supposed to email me about any new accounts or inquries?

Re: Pretty disappointed in USAA CMS

Repo-ed — Wed, 07 Mar 2012 03:09:22 GMT

I have USAA CMS. Where do you go to pull your reports?

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 03:10:55 GMT

@Repo-ed wrote:
I have USAA CMS. Where do you go to pull your reports?

USAA. You can pull daily with them, and I rarely miss a day.

Re: Pretty disappointed in USAA CMS

Repo-ed — Wed, 07 Mar 2012 03:13:57 GMT

@Repo-ed wrote:
I have USAA CMS. Where do you go to pull your reports?

Found it!

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 03:17:15 GMT

@Repo-ed wrote:
@Repo-ed wrote:
I have USAA CMS. Where do you go to pull your reports?
Found it!

Wow, sorry. I just realized I completely misread your question. I thought you were asking where I got my report from (as in what site). I now realize you just wanted to know where to check it. Glad you found it.

But yeah, that is why I chose USAA. You can pull a fresh one every single day if you want. It is great if you have a problem and are obsessive like me!

Re: Pretty disappointed in USAA CMS

Repo-ed — Wed, 07 Mar 2012 03:21:51 GMT

No problem! Glad you brought it up, I had no idea or simply didn't pay attention to my options.

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 09:11:56 GMT

I pull mine everyday when I get home from work too.

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 15:50:42 GMT

I got an email notification when TU updated my address.

The thing that dissapoints me is that I've had the same exact FAKO scores since day one, 2 months ago, despite paying off a loan and the AAoA increasing. 737, 737 and 749. Yes, I know they're FAKO, but even my CK score, which was perpetually stuck at 720 for months on end, increased to 753 after my loan payoff posted.

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 16:09:33 GMT

@Anonymous wrote:
I got an email notification when TU updated my address.

The thing that dissapoints me is that I've had the same exact FAKO scores since day one, 2 months ago, despite paying off a loan and the AAoA increasing. 737, 737 and 749. Yes, I know they're FAKO, but even my CK score, which was perpetually stuck at 720 for months on end, increased to 753 after my loan payoff posted.

Well, for whatever reason, they have decided not to notify me of this inquiry, ugh.

I didn't realize that loan payoffs impacted scores.

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 16:20:58 GMT

Not the payoff in particular, but the lowered credit utilization.

Re: Pretty disappointed in USAA CMS

Anonymous — Wed, 07 Mar 2012 16:22:50 GMT

@Anonymous wrote:
Not the payoff in particular, but the lowered credit utilization.

I thought installment loans were not included in utilization? If this were the case, wouldn't a mortage put everyone at a huge utilization?

Re: Pretty disappointed in USAA CMS

llecs — Wed, 07 Mar 2012 16:25:23 GMT

OP, I found they (and other EX-based services like CCT, FCR, and others) alerted about 2-3 days after the event occurred. It's not instant.

I also found their FAKO score (PLUS) doesn't update daily either, especially the EX PLUS score. Not like I should be following them anyway.

Re: Pretty disappointed in USAA CMS

llecs — Wed, 07 Mar 2012 16:27:37 GMT

@Anonymous wrote:
@Anonymous wrote:
Not the payoff in particular, but the lowered credit utilization.

I thought installment loans were not included in utilization? If this were the case, wouldn't a mortage put everyone at a huge utilization?

FAKOs like the PLUS score factor in installment and CC balances differently. Per FICO, installment util is virtually ignored.

Re: Pretty disappointed in USAA CMS

Repo-ed — Fri, 09 Mar 2012 01:42:51 GMT

Pulled my reports from USAA again today and really gave my INQ a lookover, because I knew there were many. Thankfully only 2 are within that 12 month window, but starting last month and continuing through november, all the 2 year old ones continue to fall off completely.

Re: Pretty disappointed in USAA CMS

adavis425 — Sat, 10 Mar 2012 23:22:31 GMT

@Anonymous wrote:
@Repo-ed wrote:
I have USAA CMS. Where do you go to pull your reports?
USAA. You can pull daily with them, and I rarely miss a day.

Dang, jimbo831. I'm glad I'm not the only one. Seems I can't let a day go by without hitting that refresh button.