What is USAA doing?!?

[Anonymous]

Hi all,

So i just got a FICO alert.  Account updated in Equifax today:

DETAILS

COMPANYUSAA SAVINGS BANK

• BALANCE
• $0

• PAST DUE
• Not Reported

• STATUS
• Included In Bankruptcy

• LAST ACTIVITY
• 07/01/2010

• HIGH CREDIT
•   $500

• DESCRIPTION
• Bankruptcy Chapter 7 Credit Card Bankruptcy chapter 7

What is this all about?  Will it affect my FICO scores? Is it normal?

[Anonymous]

it also shows under "Open" and "Close" accounts on myFICO credit reports as follows:

Profile

COMPANY	Usaa Savings Bank	Usaa Savings Bank	Usaa Savings Bank
LOAN TYPE	Credit Card	Credit Card	Credit Card
ACCOUNT NUMBER	XXXXXXXXXXXXXXXX	XXXXXXXXXXXX	XXXXXXXX
ACCOUNT HOLDER	Individual	Individual Account	Individual
DATE OPENED	Dec, 2006	Dec, 2006	Dec, 2006

[TRC_WA]

Looks normal to me assuming you filed BK7 in 2010.  It should be reporting under closed accounts.

What's the issue?

[Anonymous]

I guess im just freaking out as to why they're updating something that was d/c in Ch7.

[mynameainttracy]

That's USAA for ya. They updated my account every month I was in my ch13. i was ecstatic when it finally aged off.

[Anonymous]

I see, well i have 5 more years to go for it to fall off...unless i get their AMEX card at 7 years but going to try the regular AMEX BCR or Charge card in Jan/2016.  Been reading that after 5 years, some have gotten it.

[Scupra]

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@Anonymous wrote:

I see, well i have 5 more years to go for it to fall off...unless i get their AMEX card at 7 years but going to try the regular AMEX BCR or Charge card in Jan/2016.  Been reading that after 5 years, some have gotten it.

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TRC being one of them 5 years post d/c for AMEX to consider

[Anonymous]

What is TRC? Will wait an extra two months.

[Scupra]

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@Anonymous wrote:

What is TRC? Will wait an extra two months.

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*who haha

He was the first person to respond in this thread

[TRC_WA]

LOL yeah that's me... and that's my AmEx and Discover from when I had to prove a doubter wrong a few weeks back...