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Will I qualify for USAA secured?

Regular Contributor

Will I qualify for USAA secured?

I know they pull EQ. My FICO is 632.

AAofA is 5 years

Utilization is around 10%


The Negatives:

Paid judgment 2010

Paid collection 2010 (see above)

unpaid collection (about to send a DV)

Multiple 30 day lates on auto loan PAID/closed 2009

1 Cap1 charge off & 2 HSBC charge offs-all paid


The Good:

Belk card- $400 CL opened 6/12

BofA secured card $500 CL opened 8/12

time share NEVER late -9 years old


I have read that I need 2-3 CC to rebuild. Don't want Cap1, obviously.

Was denied Wal-mart prior to getting my secured BofA


I think I am a partial member with USAA. Have the credit monitoring & just opened a small checking & savings with them.

Where should I go from here? Any card suggestions? Thanks in advance!

Message 1 of 5
Senior Contributor

Re: Will I qualify for USAA secured?

AFAIK Secured CCs aren't an option for partial members. Id call their cs to be sure of thatfirst.

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 2 of 5
Regular Contributor

Re: Will I qualify for USAA secured?

I'm going to get the insurance first & become a full member before I apply.

If I apply for the regular card, they may counter with the secured, right?


Any other store or CC recommendations?

Message 3 of 5

Re: Will I qualify for USAA secured?

They countered with a secured card when I was denied a USAA amex. I had a similar score to yours but no recent derogatory.
*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 4 of 5
Established Contributor

Re: Will I qualify for USAA secured?

Wait so you have 5 major derogs, 1 judgement, multiple lates and you have a 632 EQ FICO? Wow I hate FICO sometimes..

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 5 of 5