I applied for the USAA Amex card last week. When I applied, I had my Experian credit file frozen, so I had to call the next day to confirm the freeze was lifted. After that, I heard nothing and there is not an update online. I finally decided to call USAA for the app status and I was told my app decision is scheduled for April 5th. He said because I didn't have my credit file open for the first pull my application is delayed. Has anyone else had that experience with USAA?
Starting Score: Equifax 499 (1/22/2020); TransUnion 525 (1/22/2020); Experian 523 (1/24/2020)
@Trin wrote:I applied for the USAA Amex card last week. When I applied, I had my Experian credit file frozen, so I had to call the next day to confirm the freeze was lifted. After that, I heard nothing and there is not an update online. I finally decided to call USAA for the app status and I was told my app decision is scheduled for April 5th. He said because I didn't have my credit file open for the first pull my application is delayed. Has anyone else had that experience with USAA?
No telling. When you apply for any credit you can place a temp freeze for 1 day on all 3 CRA's. Thaw the day of approval. Midnight its frozen again. Then you wouldnt have to go thru this. Some creditors use a certain CRA at all times. Some depends on where you live. Good Luck! Let us know in approvals.
