topic Re: USAA CreditCheck - all 3 scores the same? in General Credit Topics

USAA CreditCheck - all 3 scores the same?

kroberts67 — Fri, 29 Mar 2013 02:54:18 GMT

I signed up for this today and its weird that all 3 scores are the same. Ive been pulling them from various places daily and i know they're each very different... all 3 actually match to Experian PLUS score. Even though its an Experian-run company, if they used PLUS to calculate each they'd still vary... cust service had no anwer a to why. I'm hoping they kick in correctly when I get tomorrows. I know they're not Fico but still they should be different. Has this happened to anyone else using their service?

Re: USAA CreditCheck - all 3 scores the same?

llecs — Fri, 29 Mar 2013 03:03:08 GMT

PLUS scores are the same across all 3 (unlike FICO) and are very basic and very linear. 2 of my 3 PLUS scores are the same despite the report info being a little different (TL on one but not the other).

Re: USAA CreditCheck - all 3 scores the same?

kroberts67 — Fri, 29 Mar 2013 03:13:51 GMT

I would understand if they were at least similar but EX is so diff from the other two. 5 collections and a public record vs 1 or 0 collection, no public record... just seems like a sys glitch rather than a coincidence?

Re: USAA CreditCheck - all 3 scores the same?

Rhaeny — Fri, 29 Mar 2013 19:59:12 GMT

Yea same here....all 3 are the same at 722. Been like that for about a month now.

Re: USAA CreditCheck - all 3 scores the same?

kroberts67 — Fri, 29 Mar 2013 21:32:02 GMT

I guess that's the way they are? Well I do like their layout and how they show %UT etc etc etc. And I don't have to wait 24 hours, as long as I wait until after midnight. And every time I've called the USAA people are so nice!

Re: USAA CreditCheck - all 3 scores the same?

Deltadog03 — Sun, 31 Mar 2013 15:24:27 GMT

Ok Stupid question time...LOL I just signed up for USAA and really like it so far, but how do I log back into my account and view my reports etc....when I login to USAA I don't see anywhere to view my report, scores...etc....

Re: USAA CreditCheck - all 3 scores the same?

Deltadog03 — Sun, 31 Mar 2013 15:37:03 GMT

Oops, If I read the email it said that for 24-48 hours there will be no link in there.....Sowwy...carry on

Re: USAA CreditCheck - all 3 scores the same?

dodfire — Sun, 31 Mar 2013 15:45:26 GMT

Just checked mine and all 3 are different.

Re: USAA CreditCheck - all 3 scores the same?

kroberts67 — Sun, 31 Mar 2013 18:46:20 GMT

@Deltadog03 wrote:
Ok Stupid question time...LOL I just signed up for USAA and really like it so far, but how do I log back into my account and view my reports etc....when I login to USAA I don't see anywhere to view my report, scores...etc....

Until it's set up in your accounts you will just click on the sign up link for now and it will take you in, it will know you've already signed up. It only took I think 2 days? for me to see the new link in my account listings.

Re: USAA CreditCheck - all 3 scores the same?

namvet — Sun, 31 Mar 2013 19:08:22 GMT

Been with USAA for a couple of years and my scores have never been all the same. Sometimes TU and EX will report the same. EQ was always my lowest score but as last month it is the highest. YMMV

Re: USAA CreditCheck - all 3 scores the same?

kroberts67 — Wed, 03 Apr 2013 01:13:46 GMT

@namvet wrote:
Been with USAA for a couple of years and my scores have never been all the same. Sometimes TU and EX will report the same. EQ was always my lowest score but as last month it is the highest. YMMV

OK my EQ dropped the only collection I had on that one, the score shot up and left the other two in the dust. I feel better now!

Re: USAA CreditCheck - all 3 scores the same?

sosabe77 — Thu, 04 Apr 2013 14:01:53 GMT

Unusual but not impossible.