USAA changing eligibility requirements

[Anonymous]

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@LynetteM wrote:

Question: My sister was married to a Lt Col (I think) in the army for about 10 years. Divorced over a decade ago. She has kept her insurance with USAA...loves their service and products.

She was never in the service. She is at USAA because her ex was in the service.

Would I qualify to join because my sister is a member and has their insurance products?

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I do not think so. The familial relation is limited to spouses, dependents, and children. I do not even think they allow domestic partners, "unmarried" same sex members.

[haulingthescoreup]

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usmc58555 wrote:

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@LynetteM wrote:

Question: My sister was married to a Lt Col (I think) in the army for about 10 years. Divorced over a decade ago. She has kept her insurance with USAA...loves their service and products.

She was never in the service. She is at USAA because her ex was in the service.

Would I qualify to join because my sister is a member and has their insurance products?

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I do not think so. The familial relation is limited to spouses, dependents, and children. I do not even think they allow domestic partners, "unmarried" same sex members.

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Call and ask. As usmc says, they have published guidelines, but with many lenders, these are sometimes fluid.

[haulingthescoreup]

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usmc58555 wrote:

So many people do not receive Honorables for a variety of reasons, that it can be said that a large percentage of people who do receive Honorables simply didn't get caught.

The difference between an Honorable and a General is a check box your CO marks. Its all purely administrative and can be quite capricious.

After all, Timothy McVeigh got an Honorable Discharge.

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I'm sure this is true. It's amazing how something entered on to your record 20-30-40 years ago can still haunt you today. And "capricious" is probably the kindest word for it.

[Anonymous]

if USAA does allow domestic partners membership then I have to say I will loose a  lot of respect for them for not advertising it.

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@haulingthescoreup wrote:

I'm sure this is true. It's amazing how something entered on to your record 20-30-40 years ago can still haunt you today. And "capricious" is probably the kindest word for it.

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For example:

my platoon Sgt:

1 four year enlistment, into second 4 year. At 6 years 11  months he gets orders detaching him from PERM PERS status and sending him back to school for a 13 month school, and must take a mandatory 2 year extension or re-enlist.

He says "No, I just want to do the remaining time on my contract and am not interested in staying in any longer."

He refuses orders. 

Ok they relent.
Later, he starts his out processing and he sees he is flagged for getting a GENERAL Discharge. So he fights it, gets his Congressman involved, lawyer whole nine yards.

their response, he is getting a General because he refused orders, even though those order would have taken him beyond his contract and past his time in the IRR, and with no stop loss--- basically enslaving him.

He wins.

Except: his reenlistment code.

Honorable Discharge but an RE code that makes it impossible for him to join another branch, re enlist or even the reserves if he chooses.

[Anonymous]

The military is always going to find a way to prevail.

They liked him, they showed him love, he spurned them, they, being jilted flailed out in a fit of pique. So not right. And it took teamwork to do that.

[Underh20]

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@Anonymous wrote:

USAA and pretty much all banks and credit unions pull credit upon initial account opening.

I really wish USAA would not use the Honorable Discharge qualifier since, well, it really does not mean much.

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USAA does not pull your credit report upon opening an account.  They do pull for insurance products and for credit products.

Your discharge and, to a lesser extent, your RE code are a lot like FICO in that they are a snapshot of your performance up to and at a cerrtain point in time.  Nine times out of ten you get the type of discharge you deserve at the moment. 

[Anonymous]

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@Underh20 wrote:

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@Anonymous wrote:

USAA and pretty much all banks and credit unions pull credit upon initial account opening.

I really wish USAA would not use the Honorable Discharge qualifier since, well, it really does not mean much.

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USAA does not pull your credit report upon opening an account.  They do pull for insurance products and for credit products.

Your discharge and, to a lesser extent, your RE code are a lot like FICO in that they are a snapshot of your performance up to and at a cerrtain point in time.  Nine times out of ten you get the type of discharge you deserve at the moment. 

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USAA did soft pull my EX credit report when I joined 1/09. However, I no longer belong to USAA, so their policies since the beginning of this year I am no longer privy to.

If your 9 out 10 times comment is even remotely accurate that would be simply an atrocious number. When one thinks of the millions of service members active and non active ( my dad being one ), I would be appalled if our service members were treated in this manner. In fact it would be a complete disgrace in and of itself!

I think your quote of USMC58555 regarding such an important topic, while accurate, does take his/her comment a little out of context interms of his/her entire post and what he/she was trying to communicate overall. IMHO

Message Edited by plasticman on 09-13-2009 12:51 AM

Message Edited by plasticman on 09-13-2009 12:54 AM

[Underh20]

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@Anonymous wrote:

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@Underh20 wrote:

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@Anonymous wrote:

USAA and pretty much all banks and credit unions pull credit upon initial account opening.

I really wish USAA would not use the Honorable Discharge qualifier since, well, it really does not mean much.

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USAA does not pull your credit report upon opening an account.  They do pull for insurance products and for credit products.

Your discharge and, to a lesser extent, your RE code are a lot like FICO in that they are a snapshot of your performance up to and at a cerrtain point in time.  Nine times out of ten you get the type of discharge you deserve at the moment. 

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USAA did soft pull my EX credit report when I joined 1/09. However, I no longer belong to USAA, so their policies since the beginning of this year I am no longer privy to.

If your 9 out 10 times comment is even remotely accurate that would be simply an atrocious number. When one thinks of the millions of service members active and non active ( my dad being one ), I would be appalled if our service members were treated in this manner. In fact it would be a complete disgrace in and of itself!

I think your quote of USMC58555 regarding such an important topic, while accurate, does take his/her comment a little out of context interms of his/her entire post and what he/she was trying to communicate overall. IMHO

Message Edited by plasticman on 09-13-2009 12:51 AM

Message Edited by plasticman on 09-13-2009 12:54 AM

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There could be a soft pull, but there isn't a hard pull like there is with Alliant.  A soft pull could be for ID / address verification.

I think you didn't read USMC's post very carefully.  He implied that your discharge was a matter of luck.  It is not.  In the vast majority of cases you get what you deserve.  There may be some degree of unfairness (more with RE codes than type of discharge), but it's the exception rather than the rule.  If USAA wants to require an honorable discharge in order to be considered for membership, that's their decision.  I happen to think it's the right one.

[Anonymous]

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@Underh20 wrote:

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@Anonymous wrote:

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@Underh20 wrote:

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@Anonymous wrote:

USAA and pretty much all banks and credit unions pull credit upon initial account opening.

I really wish USAA would not use the Honorable Discharge qualifier since, well, it really does not mean much.

---

USAA does not pull your credit report upon opening an account.  They do pull for insurance products and for credit products.

Your discharge and, to a lesser extent, your RE code are a lot like FICO in that they are a snapshot of your performance up to and at a cerrtain point in time.  Nine times out of ten you get the type of discharge you deserve at the moment. 

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USAA did soft pull my EX credit report when I joined 1/09. However, I no longer belong to USAA, so their policies since the beginning of this year I am no longer privy to.

If your 9 out 10 times comment is even remotely accurate that would be simply an atrocious number. When one thinks of the millions of service members active and non active ( my dad being one ), I would be appalled if our service members were treated in this manner. In fact it would be a complete disgrace in and of itself!

I think your quote of USMC58555 regarding such an important topic, while accurate, does take his/her comment a little out of context interms of his/her entire post and what he/she was trying to communicate overall. IMHO

Message Edited by plasticman on 09-13-2009 12:51 AM

Message Edited by plasticman on 09-13-2009 12:54 AM

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There could be a soft pull, but there isn't a hard pull like there is with Alliant.  A soft pull could be for ID / address verification.

I think you didn't read USMC's post very carefully.  He implied that your discharge was a matter of luck.  It is not.  In the vast majority of cases you get what you deserve.  There may be some degree of unfairness (more with RE codes than type of discharge), but it's the exception rather than the rule.  If USAA wants to require an honorable discharge in order to be considered for membership, that's their decision.  I happen to think it's the right one.

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I read it several times and did not take away that specific implication for my readings. Nevertheless, one is entitled to interpret as their experiences allow. One is also entitled to their opinion of USAA with respect to their membership qualifications, therefore, I respect yours and USMC58555s' equally.

Thanks for the reply.

If you are or have been a military service member...Thank You!

I know first hand the sacrifices families of services members make so their parent can and will protect our freedoms.

[Underh20]

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@Anonymous wrote:

If you are or have been a military service member...Thank You!

I know first hand the sacrifices families of services members make so their parent can and will protect our freedoms.

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Thanks.  I still am.

Personally, I think it is much, much more difficult for the family than it is for the servicemember under normal (non-combat positions) ... and even then.