What does FICO think of USAA?

[Anonymous]

I've heard a few people praise USAA... What benefits does USAA offer in comparison to a regular bank or even NFCU? And, what does FICO think about CCs through USAA?

We're thinking of diversifying our banking a bit since apparently NFCU doesn't get the respect it deserves on FICO.

[Anonymous]

Where is HTSU when you need her expert post-

[Anonymous]

I think USAA is treated like other CUs by FICO. However, I think it's the best CCC out there. Best CS, great CLs, no fees on BTs or CAs, awesome APRs, and periodic special offers that are awesome (e.g. 0% BT for 12 months)! The only CC I know to give offers like that post-signing up.

[Anonymous]

As far sas scoring NFCU and USAA are treated exactly the same-

Whille there is a chance the "major" banks hold a little more weight than CU's the points are very small-

Given the great CL's from both of these organizations- you really can't go wrong with either one.

[Anonymous]

same as far as i have seen reported. however, if you have an in at usaa jump on it! after a period of time if you haven't obtained a product (any product) thorugh them, your ability to get in expires.

[Anonymous]

good point dnm! time is of the essence with them and you have to lock into an insurance product (home, renters, car, life, etc.) to get the best banking and other product offers.

[Anonymous]

I think we'll join.. as long as DH is still eligible, only eight months from retirement..

Looked over the services & accounts offered, and it looks like a great company.

[Anonymous]

Do they do a credit inq/hard pull when you sign up?

[Anonymous]

---

@Anonymous wrote:

Do they do a credit inq/hard pull when you sign up?

---

Only hard inqs for new CCs. Insurance, clis, and everything else is soft. Def a good choice!

Message Edited by Pj1369 on 04-04-2008 12:29 AM

[Anonymous]

Great! Once their online registration stops kicking us out and not processing, we'll be good!