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@Anonymous wrote:They pulled Experian.
They pulled EQ for me.
Total Available Credit: $145,950 ||Feb 2018||EQ08-705||EX08-728||TU08-741||
As mentioned earlier, this is what I see when I am logged into my USAA account...and I'm a partial member. I see the Rate Advantage Visa Platinum, but it won't let me apply for that one. I'll get the Cash Rewards anyway. But I wonder if this means I won't ever see a targeted offer like someone had in another thread with an intro APR?
@baller4life wrote:I guess third time is the charm! After two prior denials for USAA due to a couple old EQ baddies that were hanging on, I was approved just now for $7k on the 2.25% cashback on groceries Cash Rewards Amex. Thanks msbia! Been a USAA member for awhile thanks to dear ole Dad. And now I'm finally a cardholder! Oh happy day!
One more app next week(Amex SimplyCash Plus) then back to the garden for the rest of the year!
Big congrats on your USAA approval, baller!! Also, congrats on your recent PenFed approval!!! You have shown such patience and perseverance - you deserve all that you have achieved.
@CribDuchess wrote:
@baller4life wrote:I guess third time is the charm! After two prior denials for USAA due to a couple old EQ baddies that were hanging on, I was approved just now for $7k on the 2.25% cashback on groceries Cash Rewards Amex. Thanks msbia! Been a USAA member for awhile thanks to dear ole Dad. And now I'm finally a cardholder! Oh happy day!
One more app next week(Amex SimplyCash Plus) then back to the garden for the rest of the year!Big congrats on your USAA approval, baller!! Also, congrats on your recent PenFed approval!!! You have shown such patience and perseverance - you deserve all that you have achieved.
Thank you so much! I finally got cards from the two lenders I really wanted!
@baller4life wrote:I guess third time is the charm! After two prior denials for USAA due to a couple old EQ baddies that were hanging on, I was approved just now for $7k on the 2.25% cashback on groceries Cash Rewards Amex. Thanks msbia! Been a USAA member for awhile thanks to dear ole Dad. And now I'm finally a cardholder! Oh happy day!
One more app next week(Amex SimplyCash Plus) then back to the garden for the rest of the year!
Congrats on the USAA Amex! Interesting that they kept using the EQ to make a decision, but the FICO score provided by USAA is EX.
Lenders rarely use the "free score" they provide as a means of determining credit worthiness. (Most are Fako, or a proprietary blend).
That being said, I *believe* USAA uses true Experian FICO for their free score. So I guess in areas where they pull EX for apps, the free score you see might actually align.
Total Available Credit: $145,950 ||Feb 2018||EQ08-705||EX08-728||TU08-741||
@baller4life wrote:
Some areas they do pull EX for credit. Others still EQ.
Usaa pulled EX For my approval.
@Method2Madness wrote:Lenders rarely use the "free score" they provide as a means of determining credit worthiness. (Most are Fako, or a proprietary blend).
That being said, I *believe* USAA uses true Experian FICO for their free score. So I guess in areas where they pull EX for apps, the free score you see might actually align.
That is a FAKO, not FICO. But yeah, USAA always pull EQ.