topic Re: USAA Credit Monitoring in General Credit Topics

USAA Credit Monitoring

WhiteCollar — Thu, 02 Aug 2012 20:48:52 GMT

Hello All,

I'm thinking about signing up for USAA's Credit Check Monitoring Premium. Has anyone used this service and what was/is your experience.

Thanks!

Re: USAA Credit Monitoring

Anonymous — Thu, 02 Aug 2012 20:56:59 GMT

I've had this service for about 5 months.

My experience with it has been very good. I like the fact that you can get all 3 bureau reports each day.

The other thing I noticed is that their FAKO score is remarkably close to the real thing.

I just pulled my Equifax yesterday on My Fico and it was 768. The USAA FAKO says 770.

They were also within 2 points of my Transunion score.

The price is right too. $12.95 a month is a good deal.

I say go for it.

Re: USAA Credit Monitoring

apandabear — Thu, 02 Aug 2012 21:01:32 GMT

I have been monitoring my credit report with USAA CCMP since the beginning of 2012. I used it a couple years ago too.

I like it. For the price, it's great. I "refresh" every single day, which means that I get to see all 3 credit reports each day. For $12.25/month, it's hard to beat.

The FAKO scores you can ignore completely. They are PLUS scores. The advice they give you is generally pretty useless too. But if you're trying to rebuild or watch your credit, it's a wonderful service to have.

In addition to being able to pull everyday, they will alert you on changes via email or text. If you pull everyday, you might see less alerts, because you're seeing them pretty quickly.

I really recommend the service. It's pretty useful.

Re: USAA Credit Monitoring

Anonymous — Thu, 02 Aug 2012 22:19:26 GMT

@apandabear wrote:
I have been monitoring my credit report with USAA CCMP since the beginning of 2012. I used it a couple years ago too.

I like it. For the price, it's great. I "refresh" every single day, which means that I get to see all 3 credit reports each day. For $12.25/month, it's hard to beat.

The FAKO scores you can ignore completely. They are PLUS scores. The advice they give you is generally pretty useless too. But if you're trying to rebuild or watch your credit, it's a wonderful service to have.

In addition to being able to pull everyday, they will alert you on changes via email or text. If you pull everyday, you might see less alerts, because you're seeing them pretty quickly.

I really recommend the service. It's pretty useful.

Re: USAA Credit Monitoring

Repo-ed — Fri, 03 Aug 2012 00:28:46 GMT

My recommendation would be to subscribe to a few services:

1 & 2 - would be SW and TU Quarterly monitoring found within this link http://www.myfico.com/Products/Products.aspx

3 - would be USAA CMS found here https://www.usaa.com/inet/pages/creditcheck_monitoring_main so that when you get SW alerts, you can then log-in to USAA CMS and pull all 3 reports for free to find out what exactly changed.

I have all 3 and couldn't be happier with either of them!

Re: USAA Credit Monitoring

tbolt2 — Fri, 03 Aug 2012 10:15:12 GMT

In my experience, they are close only if you have clean CR - I have a few negatives, my wife has none. The Experian Plus Score available through the USAA/Experian CMS for her has been close enough to the real scores for her, that we don't even monitor "real" scores for her any more, just use USAA to monitor changes in accounts on her report.

My report is a different story....The Experian Plus Score seems to penalize more for the negatives. For me, the Equifax score through MyFICO is 18 points higher than Plus. TU score through WalMart is 87 points higher than Plus. EQ has the cleanest report. TU and EX each have negative items.

I have been very pleased with their service over the last year or so we've been using it. Just to give you an idea of how good the customer service is: they were having problems with the "Printable Report" generating software on the website - it was not generating PDF files as it normally did. I called and the CSR gave me 2 months monitoring for free.......I wasn't even complaining - just letting them know that they were having intermittent issues again because my report would not generate, but my wife's did....

Re: USAA Credit Monitoring

Anonymous — Sun, 12 Aug 2012 11:51:33 GMT

I just purchased USAA Credit Monitoring and I love it! I receive my TU score from Walmart!

Re: USAA Credit Monitoring

ntx — Sun, 12 Aug 2012 15:17:42 GMT

I just subscribed yesterday to the USAA CMS.

For me, the PLUS scores are much higher than the others ( BK in 2005, clean report since, incl. new car loan Oct. 2011 and $3K USAA Visa Feb. 2012 ).

8/11 USAA EQ: 733 USAA TU: 724 USAA EX: 747

8/7 MyFICO EQ: 684 MyFICO TU: 688

8/7 Discover EQ (in approval notice): 657

Re: USAA Credit Monitoring

doc101 — Sun, 12 Aug 2012 15:29:10 GMT

I recently signed up for their services as well and I only wish I had signed up alot sooner. I am very pleased with what USAA has to offer.......go for it!

Re: USAA Credit Monitoring

namvet — Sun, 12 Aug 2012 15:57:37 GMT

Been using this services for years. IMO USAA is the best value.

Re: USAA Credit Monitoring

Anonymous — Fri, 17 Aug 2012 14:08:16 GMT

I also signed up yesterday, and all is well...however, does anyone have a direct link to the login screen. It seems a little tedious going to usaa.com then "searching" for it. I may be doing it wrong or I might just be limited as I am not a usaa member.

Re: USAA Credit Monitoring

ninjamike81 — Fri, 17 Aug 2012 15:42:52 GMT

I just signed up and it gave me 9002 for ex and eq not enough positive information to generate score. but theres 4 installment loans showing

Re: USAA Credit Monitoring

apandabear — Fri, 17 Aug 2012 17:16:07 GMT

@Anonymous wrote:
I also signed up yesterday, and all is well...however, does anyone have a direct link to the login screen. It seems a little tedious going to usaa.com then "searching" for it. I may be doing it wrong or I might just be limited as I am not a usaa member.

Does it not show up when you click on "My Accounts" ? That's how I access it.

Re: USAA Credit Monitoring

ninjamike81 — Fri, 17 Aug 2012 17:26:52 GMT

just talked to them on the phone and it takes up to 72 hrs to show up under my accounts. untill then just use the order link you will not have to put in all you info just ssn and it takes you to it. thats the info i got from usaa phone call today because i couldent find it eather.

Re: USAA Credit Monitoring

Anonymous — Sun, 19 Aug 2012 18:53:38 GMT

I think the service is great, I've had it since June and no complaints. The scores seem to closely follow my true FICO scores, which is kind of amazing to me, since I'm generally expecting a dramatic difference because of the systems used. I've received timely updates, when my Experian report recently changed. (Tried and tested with my most recent Chase/AMEX apps). I was notified within a few hours after application, which I didn't expect. Having the 3 reports also allows me to see which reports update the quickest. Which appears to be EX, EQ and TU (man, they take forever!) in that order. I think you'll be very satisfied with the results.