topic Re: New USAA CreditCheck Service! in General Credit Topics

New USAA CreditCheck Service!

Anonymous — Tue, 11 Aug 2015 13:18:16 GMT

For those of you with USAA membership, check out the new CreditCheck service!

They rolled it out on Monday (August 10th) as a replacement to their old credit monitoring service. They now provide a monthly Experian VantageScore 3.0 and monthly Experian credit report free for ALL members. You still have the option to pay for a monthly 3-Bureau VantageScore and report.

Personally, I am sticking with the free option, because it perfectly supplements the Transunion and Equifax data that I can get from CreditKarma. Also their dashboard is very intuitive and they provide daily score monitoring and a credit score simulator. The folks at USAA have also created a new tile for your main accounts page that displays your historical credit score data along with factors that are helping or hurting it.

Pretty good stuff!

Re: New USAA CreditCheck Service!

JagerBombs89 — Tue, 11 Aug 2015 17:00:28 GMT

jpb_24 wrote:

For those of you with USAA membership, check out the new CreditCheck service!

They rolled it out on Monday (August 10th) as a replacement to their old credit monitoring service. They now provide a monthly Experian VantageScore 3.0 and monthly Experian credit report free for ALL members. You still have the option to pay for a monthly 3-Bureau VantageScore and report.

Personally, I am sticking with the free option, because it perfectly supplements the Transunion and Equifax data that I can get from CreditKarma. Also their dashboard is very intuitive and they provide daily score monitoring and a credit score simulator. The folks at USAA have also created a new tile for your main accounts page that displays your historical credit score data along with factors that are helping or hurting it.

Pretty good stuff!

Thanks for this. I was looking for a free EX monitoring to supplement CK

EDIT: Just looked at it and I see they give you a montly Vantage score and ANNUAL credit report for free. You only get the monthly EX report if you pay the $7.95/month

Re: New USAA CreditCheck Service!

Cotton_Britches — Tue, 11 Aug 2015 22:26:00 GMT

Vantage score isn't a real score, though.

Re: New USAA CreditCheck Service!

Anonymous — Tue, 11 Aug 2015 23:31:08 GMT

Thanks for the heads up!

Re: New USAA CreditCheck Service!

takeshi74 — Wed, 12 Aug 2015 12:03:18 GMT

@Cotton_Britches wrote:
Vantage score isn't a real score, though.

It's real. It's just not clear which creditors actually use it in credit decisions as claimed.

Don't rely on oversimplifcations such as "real" and "fake" and focus on relevance instead. Even with FICO models a given creditor may only use one specific model and other FICO's would not be relevant.

Re: New USAA CreditCheck Service!

Anonymous — Wed, 12 Aug 2015 12:58:47 GMT

@JagerBombs89 wrote:
@Anonymous wrote:

For those of you with USAA membership, check out the new CreditCheck service!

They rolled it out on Monday (August 10th) as a replacement to their old credit monitoring service. They now provide a monthly Experian VantageScore 3.0 and monthly Experian credit report free for ALL members. You still have the option to pay for a monthly 3-Bureau VantageScore and report.

Personally, I am sticking with the free option, because it perfectly supplements the Transunion and Equifax data that I can get from CreditKarma. Also their dashboard is very intuitive and they provide daily score monitoring and a credit score simulator. The folks at USAA have also created a new tile for your main accounts page that displays your historical credit score data along with factors that are helping or hurting it.

Pretty good stuff!
Thanks for this. I was looking for a free EX monitoring to supplement CK

EDIT: Just looked at it and I see they give you a montly Vantage score and ANNUAL credit report for free. You only get the monthly EX report if you pay the $7.95/month

Ah good catch...I apologize for the misinformation above regarding annual vs monthly on the free report.

Still, the monthly score seems to definitely be a step up from the VantageScore they were offering to their credit card holders. Seems like the data they were pulling for that was always about 2-3 months old. I am hoping that they update this score in a timely manner.

Re: New USAA CreditCheck Service!

Bmac66 — Wed, 12 Aug 2015 15:59:42 GMT

This is timely. I have 2 credit cards with USAA and the free score they're providing when I click on one of my accounts hasn't been updated since 6/27. Who do they pull? EX? If so, it's way off. They have me at 617 when MyFico has my EX at 691.

Re: New USAA CreditCheck Service!

Anonymous — Wed, 12 Aug 2015 16:14:56 GMT

@Bmac66 wrote:
This is timely. I have 2 credit cards with USAA and the free score they're providing when I click on one of my accounts hasn't been updated since 6/27. Who do they pull? EX? If so, it's way off. They have me at 617 when MyFico has my EX at 691.

It's off because it isn't a Fico score.

Re: New USAA CreditCheck Service!

Bmac66 — Wed, 12 Aug 2015 16:20:22 GMT

@Anonymous wrote:
@Bmac66 wrote:
This is timely. I have 2 credit cards with USAA and the free score they're providing when I click on one of my accounts hasn't been updated since 6/27. Who do they pull? EX? If so, it's way off. They have me at 617 when MyFico has my EX at 691.
It's off because it isn't a Fico score.

They give us our Vantage score which is basically worthless. No creditor uses it. AmEx is now giving us a free Fico score from TU, and it's right on the money! Now that's providing a useful free service!

Re: New USAA CreditCheck Service!

ddemari — Wed, 12 Aug 2015 16:21:15 GMT

I have had the USAA monitoring program for a while. I have been trying to log in for a while but the message said that services were down till this week.

I logged in today and it has no info for me yet. So it must be taking a little while to update my info.

Re: New USAA CreditCheck Service!

CreditCuriosity — Wed, 12 Aug 2015 17:50:51 GMT

@Bmac66 wrote:
@Anonymous wrote:
@Bmac66 wrote:
This is timely. I have 2 credit cards with USAA and the free score they're providing when I click on one of my accounts hasn't been updated since 6/27. Who do they pull? EX? If so, it's way off. They have me at 617 when MyFico has my EX at 691.
It's off because it isn't a Fico score.
They give us our Vantage score which is basically worthless. No creditor uses it. AmEx is now giving us a free Fico score from TU, and it's right on the money! Now that's providing a useful free service!

you mean experian

Re: New USAA CreditCheck Service!

Anonymous — Wed, 12 Aug 2015 23:49:38 GMT

I just cancelled the USAA credit score service. Logged on yesterday and I have been in a panic ever since after seeing my new score. I have always had excellent credit with a score in the high 700's, close to 800, occasionally over 800. Logged on yesterday under the new service and it showed 698 so I thought maybe I had some type of fraud. I went to myfico and paid for the service and it shows a totally different score, similar to what I've always had. Persoanlly, I don't care for the new service so I cancelled it. My cedit score was over 80 points lower under the new system with $32,000 less debt.

Re: New USAA CreditCheck Service!

Anonymous — Thu, 13 Aug 2015 22:41:00 GMT

@Bmac66 wrote:
This is timely. I have 2 credit cards with USAA and the free score they're providing when I click on one of my accounts hasn't been updated since 6/27. Who do they pull? EX? If so, it's way off. They have me at 617 when MyFico has my EX at 691.

USAA pulls Equifax. I was speaking to them earlier this week and asked that question during the conversation.

Re: New USAA CreditCheck Service!

Anonymous — Fri, 14 Aug 2015 00:49:36 GMT

I've had the USAA credit monitoring service for several years now and have always taken their scoring system with a grain of salt. They were using the "PLUS" score and have recently switched to the "Vantage 3.0" score which in my opinion is equally as worthless. I've called and cancelled my service since the new update and will not be continuing mainly because I have Credit Check Total for 15 bucks a month, USAA was only 12 a month but it's really redundant to have both, I think CCT is a better value all the way around and no FAKO scores to confuse the issue. The whole "quarterly" and "monthly" idea of pulling YOUR credit reports is quickly becoming dated and will go the way of the dinosaurs soon in my opinion, there's just no real legitimate reason I can't see my up to date reports when I want to, RIGHT NOW if necessary. The whole idea of having to pay for that information is ludicris in the first place.

Re: New USAA CreditCheck Service!

Kenny — Sun, 16 Aug 2015 11:26:20 GMT

I was shocked to see that the daily pull service cost 35/monthly. I, of course, will not continue this service. Wayyyy too expensive.

Re: New USAA CreditCheck Service!

Brazzystar — Mon, 17 Aug 2015 14:19:47 GMT

Just logged into this service for the first time today; NOPE! I'm canceling right now. I've used it for years and it was very user friendly and easy to view any changes to my score and to determine why the changes occurred. My scores dropped 100 points across the board with this "Vantage" crap score. I'm a 20 year member of USAA and this is EXTREMELY disappointing! This is the first negative thing I've ever had to say about any of their services.

Re: New USAA CreditCheck Service!

Bmac66 — Mon, 17 Aug 2015 14:25:36 GMT

@Brazzystar wrote:
Just logged into this service for the first time today; NOPE! I'm canceling right now. I've used it for years and it was very user friendly and easy to view any changes to my score and to determine why the changes occurred. My scores dropped 100 points across the board with this "Vantage" crap score. I'm a 20 year member of USAA and this is EXTREMELY disappointing! This is the first negative thing I've ever had to say about any of their services.

You should write a comment on USAA's website on the community board. I did. If they get enough complaints and nobody is using it they will eventually change. It's just awful. I cancelled as well.

Re: New USAA CreditCheck Service!

Brazzystar — Mon, 17 Aug 2015 14:49:05 GMT

@Bmac66 wrote:
@Brazzystar wrote:
Just logged into this service for the first time today; NOPE! I'm canceling right now. I've used it for years and it was very user friendly and easy to view any changes to my score and to determine why the changes occurred. My scores dropped 100 points across the board with this "Vantage" crap score. I'm a 20 year member of USAA and this is EXTREMELY disappointing! This is the first negative thing I've ever had to say about any of their services.
You should write a comment on USAA's website on the community board. I did. If they get enough complaints and nobody is using it they will eventually change. It's just awful. I cancelled as well.

It's nice to know I'm not the only one upset about this change. Oh believe me, I will certainly be a part of the "squeaky wheel!" I can't possibly fathom why on earth USAA made this change. So disappointing...

Re: New USAA CreditCheck Service!

Nocturnal — Sat, 22 Aug 2015 06:37:44 GMT

I signed up for the $34.95/daily pull and the site is horrible. I tried giving it a few days to see if I could adjust but it's horrible and plan to cancel Monday.

Re: New USAA CreditCheck Service!

SBSAKE — Sat, 12 Mar 2016 11:57:46 GMT

Is anyone using USAA credit monitoring service anymore ? If not service are you using ?