Signed up for USAA....

[Anonymous]

Thanks to a couple of suggestions to sign up with this credit union, I did. Bad news is, the rep I spoke with said since the banks are in such trouble, they are tightening their belts, ALOT. She asked my scores and told me not to even think of applying for a credit card or mortgage until my scores are atleast 720. Good news is, they have alot of other money saving goodies. (Like pulling and checking my credit reports and scores!! No more TC for me)

Think I will just open a savings for now and send them some money every month. I've finished app-ing for atleast a year. I don't even want to know how many inquiry's I have running around. Now, I will just let time take over.

[Anonymous]

Congrats stef! Thanks for letting us know.

You've done exactly the right thing, imo in joining them but also starting a savings acct. with them.

Keep up the good work honey.

[Anonymous]

Thanks Sylvia! Got my foot in the door. Now, I will just wait. I doubt our country's financial crisis will change in the next year, but maybe my scores will.

[bamagirl1]

QUESTION  ARE YOU IN THE MILITARY ? I THOUGHT YOU HAD TO BE IN USAA OR MAYBE I'M THINKING OF SOMETHING ELSE THAT MY HUSBAND IS IN BUT YOU HAVE TO BE IN MILITARY, ETC

[Anonymous]

DH is military, yes. I was able to get my own number off of his membership. Signed him up, then I called and gave them his number and told them I wanted to be a member too. So, after some questions, she had me all set up. She did ask if my parents were military and if they ever used USAA. I know my father was in the AF, but he is dealing with so many other things right now, I am not about to bother him to see what CU's he ever used. She understood. But I guess it is good to know if you have/had a parent in the military, you may still be able to apply that way.

[stpn2me]

I dont know if having a parent that served on active duty and gotten out of the service is enough. They either had to have the account active while on active duty or retired from the service with 20 years and even then there is a time limit. I think they will loosen the standards for those who have husbands or wives killed while on active duty, but this bank isnt for the general public. I was watching the rest of my unit come back from afghanistan today, and seeing the expression on their faces was enough to remind me why this bank is such an exclusive club. The active military endures more than the average person, so it is a perk that is worth reserving for the miltary.

To Stef,

I started out with a checking and Savings account about two years ago, and just now have my credit to where I have gotten all their credit cards. It really is a good program and worth sticking with..

Stpn2me

[Anonymous]

I think she was trying to get to the point to see if my father had been a member. It didn't really matter anyway since DH is in the Army.

Oh, we definitely plan on staying. They can hold my money while I build my scores up a bit higher. When the car insurance  comes time to be re-newed, I do plan on calling them first. They have alot of things to offer I see.

DH is not looking forward to Afghanistan.

[Anonymous]

Me neither stef.

I'll say a prayer for his safe deliverance back to you when his tour of duty is up.

[Anonymous]

Thanks so much Sylvia. His unit isn't due to go until 2010, but then if his MOS is needed, then he can get called earlier. I'd prefer to keep him home with me, but I don't officially own him, the Army does!

[Anonymous]

So, STE, tell us more about this credit monitoring service you speak of with USAA...