topic Re: USAA credit monitoring change in General Credit Topics

USAA credit monitoring change

Anonymous — Fri, 20 Sep 2019 04:15:00 GMT

I got this email today from USAA. I wonder how the transition will work if you already have a free account with Experian.

Re: USAA credit monitoring change

satio — Fri, 20 Sep 2019 04:43:32 GMT

I am long standing USAA member....30+ years and counting.

Was this a credit score monitoring service offered by USAA that you were subscribed to on a paid basis that is now going to be served by Experian?

Or something that came to you as a benefit of having accounts with them?

Re: USAA credit monitoring change

Anonymous — Fri, 20 Sep 2019 09:40:50 GMT

@satio wrote:
I am long standing USAA member....30+ years and counting.

Was this a credit score monitoring service offered by USAA that you were subscribed to on a paid basis that is now going to be served by Experian?

Or something that came to you as a benefit of having accounts with them?

No, it was a free service from USAA. I have a checking account and recently switched to them for auto insurance.
This past January they switched from offering a VantageScore to a FICO 8 score from Experian.

Re: USAA credit monitoring change

Anonymous — Fri, 20 Sep 2019 18:18:07 GMT

@Anonymous used to get free credit services through USAA and now nothing for the last year!

Re: USAA credit monitoring change

satio — Sat, 21 Sep 2019 13:27:37 GMT

@Anonymous wrote:
@Anonymousused to get free credit services through USAA and now nothing for the last year!

Okay, I also have checking/savings/CD/CC/Insurance with them.

Previously I only had Insurance and a CC but I added bank accounts there early this year. The credit score/monitoring blurp that used to be shown to me has been in "limbo" for some time now.

I am also subscribed to Experian.

So interested if there is going to be a service offering here from USAA for "free" that would eliminate the paid sub I have.

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 14:30:13 GMT

@satio wrote:
@Anonymous wrote:
@Anonymousused to get free credit services through USAA and now nothing for the last year!
Okay, I also have checking/savings/CD/CC/Insurance with them.

Previously I only had Insurance and a CC but I added bank accounts there early this year. The credit score/monitoring blurp that used to be shown to me has been in "limbo" for some time now.

I am also subscribed to Experian.

So interested if there is going to be a service offering here from USAA for "free" that would eliminate the paid sub I have.

It's still in there somewhere, I just can remember how I got to it.

I only have CC and insurance with them and have for several years now. Credit score used to automatically pop up on my home page and app until approximately a year or so ago. I then did some poking around and found a new registration link in my account.

It's not in the app.

I then, and now, have a tile on my desktop home page that says "Your credit score will be available here soon", but there is also a clickable button in that tile which takes me to my EX FICO score. You may need to rearrange or add the tile to your account home screen to see the access to the link. Not showing in app. I just click "Go to usaa.com" from the app and it takes me to desktop site where the tile is at the bottom.

Again, unfortunately can't remember how I first accessed it. I'm on mobile now but if I can get a screenshot later of what it looks like, I'll add it.

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 15:02:27 GMT

@satio .. glad you said "in limbo" as that is what I got. USAA seems to be wandering somewhat aimlessly around like they were lost! They sold their Mutual Funds to Viking Financial (who ever they are) and seem unable to focus. Now this new log in non sense (what a bunch of nonsense)!

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 15:10:10 GMT

@satio wrote:
@Anonymous wrote:
@Anonymousused to get free credit services through USAA and now nothing for the last year!
Okay, I also have checking/savings/CD/CC/Insurance with them.

Previously I only had Insurance and a CC but I added bank accounts there early this year. The credit score/monitoring blurp that used to be shown to me has been in "limbo" for some time now.

I am also subscribed to Experian.

So interested if there is going to be a service offering here from USAA for "free" that would eliminate the paid sub I have.

Once the score dropped off the app a while ago I started poking around on their site. Don't remember where it was but found another registration for credit score. Not accessible in the app, only on their site. Since the change, however long ago it was, I have a tile at the bottom of my account page that takes me to my EX FICO score. It's looked the same for at least the past year. Clicking on "See my score..." takes me right there.

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 15:15:35 GMT

@Anonymous ... never saw what you posted before? Sure will try and find. Wonder what USAA is up to???

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 15:25:18 GMT

It really frustrated me when the score vanished a while back, but can't for the life of me remember where I found it on the site. I do remember I was logged into my account at the time though.

I know you can add/delete/rearrange tiles on your home page so it may be accessed through one that's hidden at the moment.

I'll do some more investigating.

Re: USAA credit monitoring change

Anonymous — Sat, 21 Sep 2019 15:45:14 GMT

Ok, so it looks like USAA has been linking through EX since the score vanished a while back and I found the other score registration on their site.

This is what I get when I click on see my score: (forgive the image sizes, I'm working off my phone)

Then I get this (note the web address):

So it appears that EX has been doing the work for a while now. Now that I think about it, I was kinda surprised when I got the recent notification about the change. I thought "Isn't EX already doing it?"

Re: USAA credit monitoring change

satio — Wed, 25 Sep 2019 04:22:18 GMT

So I did my own "poking around" and selected add a tile, of which one of the options is "My Credit Score".

Added that tile which says "Your credit score will be here soon" and a button for "see my score and updated plan".

Choosing this button produces the message "This content is no longer available. Please update any bookmarks."

Hmmm...

Re: USAA credit monitoring change

Anonymous — Wed, 25 Sep 2019 17:37:36 GMT

@satio wrote:
So I did my own "poking around" and selected add a tile, of which one of the options is "My Credit Score".

Added that tile which says "Your credit score will be here soon" and a button for "see my score and updated plan".

Choosing this button produces the message "This content is no longer available. Please update any bookmarks."

Hmmm...

Interesting.

After I saw your post I went and checked mine again.....and i got exactly the same thing you did. First time I've seen it. I then hit the back button on my browser and it took me to the redirect page I posted above. After a few seconds it then loaded up the page with my score on it.

Appears they might be changing things this week but it's not entirely in working order yet.

Re: USAA credit monitoring change

OmarR — Wed, 25 Sep 2019 18:55:17 GMT

Just checked mine and it worked perfectly with no hiccups.

Re: USAA credit monitoring change

satio — Thu, 26 Sep 2019 03:32:25 GMT

I am still getting the same failed results...

Strange that it works for others and not me but as indicated, probably just work in progress as the tile itself indicates my score will appear there soon without having to click the button.

Like so many things, will just have to be patient I guess.

Re: USAA credit monitoring change

LakeLife — Thu, 26 Sep 2019 13:36:09 GMT

@satio wrote:
So I did my own "poking around" and selected add a tile, of which one of the options is "My Credit Score".

Added that tile which says "Your credit score will be here soon" and a button for "see my score and updated plan".

Choosing this button produces the message "This content is no longer available. Please update any bookmarks."

Hmmm...

I get the exact same thing.

Re: USAA credit monitoring change

OmarR — Thu, 26 Sep 2019 23:54:58 GMT

You guys may be on to something.

I can retrieve my score, as I am directed to an "external" USAA related webite:

https://usaa2.experiandirect.com/dashboard

BUT when my wife tries to check her score, she gets the same error message as you guys do. So something is not setup correctly for you guys. It seems to me that USAA is in bed with this experian website:

https://usa.experian.com

Try to create a profile there, and see if that works for you guys. I am about to do the same for my wife.

Mods, I hope my links are allowed, and I apologize if they are not.

****EDIT*****

STILL DOES NOT WORK FOR MY WIFE'S ACCOUNT.

Re: USAA credit monitoring change

satio — Fri, 27 Sep 2019 02:34:18 GMT

I figure it has something to do with USAA members that had the "tile" or feature already enabled before it shifted into this "transition" period so adding it right now creates the error for those that did not have "creditcheck" enabled prior to their shifting gears on how they are supporting the "creditcheck" product.

I have a sub to Experian but may forego that once it becomes active again with the USAA relationship.

Appreciate the data points and the feedback from fellow USAA members.

Re: USAA credit monitoring change

Anonymous — Fri, 27 Sep 2019 10:14:47 GMT

OmarR thanks for seeking the EQ or EX credit information site! Seems many of us are left in never never land. Already have a paid relationship with EX but I used to run through USAA. Again, they flounder! Sad about this

Oh, almost forgot ... did contact USAA on the credit reporting challenges and they were as uninformed/lost as I was?!

Re: USAA credit monitoring change

sparklerd34 — Tue, 01 Oct 2019 15:57:46 GMT

I moved from Florida to Texas and they had me compared to Tampa area called them ticket for 4 months I just cancelled they didn’t even care to fix it. Experian Has never been helpful on credit monitoring with me