Signed up for USAA....

[Anonymous]

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@Anonymous wrote:

Now, does this daily report show new stuff, or is it the same report for the month? EQ is dragging their feet and I want something off that was supposed to be removed in October. I don't want to have to keep paying for reports if I don't have to. I think the latest dispute is to be "resolved" by the 25th of this month.

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Each time you order a new report, it's actually the current report for that day, and it's free with your subscription.

[Anonymous]

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@Anonymous wrote:

Now, does this daily report show new stuff, or is it the same report for the month? EQ is dragging their feet and I want something off that was supposed to be removed in October. I don't want to have to keep paying for reports if I don't have to. I think the latest dispute is to be "resolved" by the 25th of this month.

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stef, a credit report is a snapshot of your credit file at that particular point in time. It can change daily....or it may remain the same for a month at a time.

The changes in your report are dependent on when the creditors upload your data to the CRA's. And each creditor has different reporting dates.

EG: HSBC reports on the last weekday of the month. However, Cap1 reports my activity on or about the 16th of each month. And it varies by individual.

You can drive yourself crazy trying to figure out WHEN to pull your cr's. I know I did. I wound up calling every one of my ccc's and just asking them when they report my data to the CRA's. Ask them....they'll tell you.

Hmmmmmm....sorry. I seem to have gotten off track! lol. I'm so chatty at times.

EQ may not be dragging their feet. It could be that the creditor has not reported to them....yet.

Hope that helps.

[haulingthescoreup]

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@Anonymous wrote:

Here's the results after calling another Rep. You have to sign up for the credit check monitoring with EX and once you sign up with it, it gives you the option to add the other 2 bureau's. The total price for all 3 and fako's is 24.95 a month. Still cheaper than TC.

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Wow, TC must have really gone up. I've got it for $14.95/ month, and I think others did better than that.

[Anonymous]

Well, like a dummy, I ordered the scores too. I know they don't count, but it's a number.  I think I am obessessed with numbers

So, I could of basically pulled my fico's for what I spent on TC. Live and learn!!

Oh yeah, and I can't get a new report from TC. It wants me to pay for it everytime I try that refresh button. Geesh, I am so nosey. Plus right now, I have new accounts that should be reporting. I am really scared to see what happens to my scores when they do.

Message Edited by stef37 on 01-17-2008 11:10 AM

[bamagirl1]

stef-

my husband is in military full time, he is a member of usaa but does not have any of  his accts setup there, can i still get a savings or something or does he have to actually have an acct w/them, he has a membership number bc he signed up but no chkg, savings cc or anything..do you know or does anyone else know?? 

I SUPPORT MY SOLIDER!

[Anonymous]

stef-

my husband is in military full time, he is a member of usaa but does not have any of  his accts setup there, can i still get a savings or something or does he have to actually have an acct w/them, he has a membership number bc he signed up but no chkg, savings cc or anything..do you know or does anyone else know?? 

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All I did was call and entered his number. Once a rep came on the line, I told them I was his wife and could I get membership on my own. She said yes, I answered a few questions and she gave me number for my account. DH doesn't have to have any active accounts there to join.

[Anonymous]

OK, I got monitoring for EX, but there was NO option to get all 3. Good news is I can cancel credit expert. Bad news is, I still do not know how to update reports. I am seriously missing something. Do they hide these buttons so people don't go pulling reports like crazy?

Ok, just found out I am locked out of TC. So all I can pull from them are those expensive reports. Go figure! And I never even refreshed my report even one time. Man they are touchy

Message Edited by stef37 on 01-17-2008 01:38 PM

[Anonymous]

Alright, go to the USAA CreditCheck Monitoring page. On the left, under My Credit Reports, it says "Refresh my Experian® Credit Report & Score - FREE", click that to order a new report for free. The option to get all 3 is when you're looking at a current report. It shows your Experian info in blue, and to the right of that are spaces for Equifax and Transunion. In that spot is the link to order them. It says "UPGRADE! Add your reports and scores from Equifax & Transunion for only $24.95"

[haulingthescoreup]

IMO, the EX-only report is a great deal, but the 3-in-1 is terrible. Presumably, you're still paying the $5 or whatever for the EX only, and this adds another $25. That's quite a bit above the going rate elsewhere.

[Anonymous]

Thanks so much Capt. I found it with your help. Umm, that "upgrade now"... I thought it was an advertisement for toothpaste

I think the next thing I do, is pick up the phone to call my eye dr. I need to "upgrade" my contacts!!