USAA pulls

[AverageJoesCredit]

---

@Anonymous wrote:

---

@AverageJoesCredit wrote:
They've always pulled my leg

---

Hope they evenly pull between both... Or you will be walking with a limp to one side! 

---

Could be worse, always something else they could pull but then i might actually NEED their insurance😏

[Anonymous]

All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.

[FinStar]

---

@Anonymous wrote:

All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.

---

This is actually not accurate @Anonymous.

USAA still pulls EQ for a variety of their products including CCs.  As other have reported EX is also used depending on location or as an alternate bureau.

[Cherekas]

---

@FinStar wrote:

---

@Anonymous wrote:

All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.

---

This is actually not accurate @Anonymous.

USAA still pulls EQ for a variety of their products including CCs.  As other have reported EX is also used depending on location or as an alternate bureau.

---

I received the USAA Amex rewards Sept 2017 they pulled EX and last month they pulled EX for the USAA rate advantage visa. 

[KELSTAR]

---

@Anonymous wrote:

Hello all,

I received a mailer from USAA inviting me to apply for their Amex card. I was just curious to see who they traditionally pull for CC apps. Nothing showed up in CreditPulls database for NC. Anyone have any input? Pondering apping for this card, as its 3x Dining, 2x Gas/Groceries, 1x All other.

Also, anyone have any opinions of this card vs the NFCU GoRewards or MoreRewards cards? I just need a good Gas/Dining card to round out my wallet, and have been eyeing these three for some time now!

---

IME if you make multiple calls(not relying on one branch as an example) to the financial institution and ask them who they pull from, you'll get a consensus. 

[Anonymous]

They did end up pulling EX.

[FinStar]

Did you get approved OP?

[Anonymous]

---

@FinStar wrote:
Did you get approved OP?

---

Nope. USAA has never liked me enough.. ha ha. Always resort to offering a secured.

[Anonymous]

Hope this helps! Just applied and I'm in NC.... Info below. 

USAA (Applied Online)

Product Application: (2) Credit Cards + PLOC $15k

Result: First Card approved $5k limit(Preferred Cash Rewards® Visa). 2nd Card it would not let me apply (Amex) (says my limit reached).  PLOC Declined.

Bureau Pulled: HP Experian (Twice: 1 for CC + 1 for PLOC)

Note: I called the 800 # after I couldn’t apply for the 2nd CC online, the rep stated it was because I already applied for one and the 2nd card application would result in another hard pull. I didn’t want a 3rd pull, so I didn’t move forward.

My Location: North Carolina

Application Date: 10/3/2018

My Stats

Equifax:

Score: 642

Inquiries: 7

AAoA: 5yrs, 3months

Utilization: 61%

Experian:

Score: 686

Inquiries: 5

AAoA: 5yrs, 2months

Utilization: 31%

TransUnion:

Score: 678

Inquiries: 6

AAoA: 5yrs, 2months

Utilization: 29%

Across all three bureaus:

Oldest Acct Age: 12 Years

Highest Limit card: $20k | NavyFed | 61% individual utilization | 8 Months Old 

Derogatory: None

Late Payments: None

[Anonymous]

I have a 716 and recieved a offer. They pulled a EX yesterday and I was approved 10k. I have 1 17k charge off from 6 years ago.