What CR does USAA pull?

[SCYD]

Does anyone know what credit report does USAA pull?  And what scores you need for their American Express card?

[TatorTodd]

they pull my equifax on all my credit requests with them.  I started with like a 660 when I got a 7K CL with their Amex.  12 months later I am at 22k.

[greeneman21]

USAA will pull Equifax 99% of the time.

[SCYD]

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@TatorTodd wrote:

they pull my equifax on all my credit requests with them.  I started with like a 660 when I got a 7K CL with their Amex.  12 months later I am at 22k.

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My Equifax is between 676 and 686, depending on which model they pull.  However, I have a bankruptcy discharge from Oct. 2010, so not sure if I would qualify with them.

[empiror22]

they mostly pull EQ, I recently re-applied after about 1.5 years from last time.  I had a bunch of bad accounts from the mid 2000's and 2 that went bad/ went to collections in 2010 and they approved me for 6500 so its possible to have some bad stuff and get approved.  (I do have to say that i did have a secured card with them for 2 years plus, with prefect payments, I have insurance, CDs and other products)  this may have helped witht the approval.

[empiror22]

my EQ score on myfico is 700, navy federal had it at 696 and usaa was 690.... all at the same period of time about 1-2 months ago.

[alvon123]

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@SCYD wrote:

Does anyone know what credit report does USAA pull?  And what scores you need for their American Express card?

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equifax

[juggalo9er]

if your a full usaa member app and are denied they will likely counter secured...thats what happened to me, i declined

[SCYD]

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@juggalo9er wrote:

if your a full usaa member app and are denied they will likely counter secured...thats what happened to me, i declined

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Do you mind sharing why they denied you for the unsecured version?

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[Anonymous]

Yeah I'm pretty sure they pulled EQ for me. Was at EQ686 when I got approved for their Amex. I've had their insurance and checking/savings

(inactive with less than $20 in each)  for ~4-5 years before the app. I've heard that weighs in some with USAA.