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Does USAA use the same HP for multiple Apps?

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azguy13
Senior Contributor

Does USAA use the same HP for multiple Apps?

I have searched the forum and cannot find an answer on this. 

 

I was just approved for an Auto Loan Refi for my truck with USAA. They pulled EXP and I am curious if I applied for a CC, if they would use that same HP? My immediate thought is that they would not, but I have heard of some institutions offering other products using that same HP. If they did, I assume I would have to be speaking with a CSR and not go through the system online which would auto-pull. 

 

Does anyone have any insight on this? 

Message 1 of 5
4 REPLIES 4
OmarGB9
Community Leader
Super Contributor

Re: Does USAA use the same HP for multiple Apps?

I believe I have seen DPs that every product is a separate HP.

 

This is all I could find as evidence, although it is rather old:

https://ficoforums.myfico.com/t5/Credit-Cards/USAA-HP-or-SP/m-p/1489012


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 5
OmarR
Established Contributor

Re: Does USAA use the same HP for multiple Apps?

2017, everything was it's own HP for me.

 

All Equifax.

 EQ=850   TU=849     EX=850       0/24       UTIL=$1      AZEO

Message 3 of 5
azguy13
Senior Contributor

Re: Does USAA use the same HP for multiple Apps?

Thank you, folks. I appreciate your input. I am re-establishing a relationship with them at the moment and even if I were offered a low SL on a card, I would probably take it just to rebuild with them. I just refinanced my truck with them at 3.59% so it appears they don't hate me too much. But, then again, that is also a secured loan.

 

We shall see.

Message 4 of 5
Adkins
Legendary Contributor

Re: Does USAA use the same HP for multiple Apps?

@azguy13 I would wait just a bit, and see if you have any credit card offers that show up in their app. You'll have much better odds for approval than just a cold app. 


Last HP 08-07-2023



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