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Notification from Experian about closed USAA card?!

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GApeachy
Super Contributor

Re: Notification from Experian about closed USAA card?!


@thornback wrote:

 

Nothing free for EQ tho - that i know of.  

You can register for a free myEquifax monthly cr with vantage score included.  It also gives access to disputes and freezes.  Here: https://my.equifax.com/consumer-registration/UCSC/#/personal-info

My Take Home Pay Don't Take Me Home
Message 21 of 29
thornback
Senior Contributor

Re: Notification from Experian about closed USAA card?!


@GApeachy wrote:

@thornback wrote:

 

Nothing free for EQ tho - that i know of.  

You can register for a free myEquifax monthly cr with vantage score included.  It also gives access to disputes and freezes.  Here: https://my.equifax.com/consumer-registration/UCSC/#/personal-info


TY!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 22 of 29
thornback
Senior Contributor

Re: Notification from Experian about closed USAA card?!


@thornback wrote:

@Cory88 wrote:

I think it could be an error with reporting, my USAA CC all three on TU show close by USAA and I called them and said that the accounts are open and fine and she also said she has other calls saying the same thing don't know what is going on.


@Cory88  The same thing happened to me with USAA -- received an alert from TU stating one of my USAA accounts was closed by credit grantor  -- called USAA and the account is open and fine (the account hasn't yet updated to Experian and Equifax but I hope it reports correctly on them).   Glad to see someone else had the same issue -- did you open disputes with TU to have it fixed or are you just waiting it out?   


FYI:  issue appears to have been resolved.  My account updated today on both EQ and TU and all closed remarks have been removed.  So that was fast.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 23 of 29
Anonymous
Not applicable

USAA had a glitch - No your account wasn't closed!

Almost went into panic mode tonight when I got an alert from EX that my USAA card had been closed by creditor on the 22nd. Shortly followed by another alert from Chase Credit Journey about the same card.

 

Checked my account and everything looked normal.

 

Hopped on the phone and was told that USAA had an internal glitch that reported numerous accounts closed to the CB's, when there was actually no change in status.  They stated they have remedied the situation with the CB's but it may take a couple weeks for things to update.

 

Just a heads up.

Message 24 of 29
Anonymous
Not applicable

Re: Notification from Experian about closed USAA card?!

@thornbacki searched for the website and I didn't see the free one. It was telling me to enter my credit card for 24.95 a month. Do you have a link for the free one?

 

I didn't get a notice and I'm sorry to everyone who did. I check my credit karma and myidcare and I didn't see alerts or closures on my USAA. This isn't anything to play with especially with credit card companies being very sensitive during this pandemic. 

Message 25 of 29
thornback
Senior Contributor

Re: Notification from Experian about closed USAA card?!


@Anonymous wrote:

@thornbacki searched for the website and I didn't see the free one. It was telling me to enter my credit card for 24.95 a month. Do you have a link for the free one?

 

I didn't get a notice and I'm sorry to everyone who did. I check my credit karma and myidcare and I didn't see alerts or closures on my USAA. This isn't anything to play with especially with credit card companies being very sensitive during this pandemic. 


@Anonymous   For the Transunion TrueIdentity product, right?   Here's the direct link:  https://www.trueidentity.com/

 

You can get there from Transunion.com also but that homepage is confusing because it lists like 4 different products and you have to make sure you pick the right one. 

 

True Identity is completely free will let you refresh your reports every 24 hours (and it's exactly 24 hours, to the minute; so if you do it tonight at 10:15pm, you can't pull again till tomorrow at exactly 10:15pm).  They also do monitoring with alerts and the free credit lock feature... just no scores.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 26 of 29
Anonymous
Not applicable

Re: USAA had a glitch - No your account wasn't closed!

Thank you for posting the info about this. I saw in on my report the other day (when I noticed my score dropped by a point) but didn't get a chance to look it up until today. Finally saw it and was like Smiley Mad I went to the USAA account that was reported as closed, USAA messages, my emails, and anything else I thought would have given me notification or information on the activity and nothing. This makes me feel a lot better about it. Thanks again!

Message 27 of 29
Anonymous
Not applicable

Re: Notification from Experian about closed USAA card?!

Yes this is exactly what I wanted. Thanks for the link and info.

Message 28 of 29
FalconSteve
Valued Contributor

Re: USAA had a glitch - No your account wasn't closed!

That would be scary AF, YIKES

 

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1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
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3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 29 of 29
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