Pretty disappointed in USAA CMS

[Anonymous]

I have been on the USAA CMS for a couple weeks now and pull my report al most every day watching for things to fall off and balances to get reported down.  However, yesterday, I noticed a new, unauthorized hard inquiry from some JDB on my Experian report.  That sucks by itself.  However, I have not received any alerts from USAA about this.  Aren't they supposed to email me about any new accounts or inquries?

[Repo-ed]

I have USAA CMS. Where do you go to pull your reports?

[Anonymous]

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@Repo-ed wrote:

I have USAA CMS. Where do you go to pull your reports?

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USAA.  You can pull daily with them, and I rarely miss a day.

[Repo-ed]

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@Repo-ed wrote:

I have USAA CMS. Where do you go to pull your reports?

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Found it!

[Anonymous]

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@Repo-ed wrote:

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@Repo-ed wrote:

I have USAA CMS. Where do you go to pull your reports?

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Found it!

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Wow, sorry.  I just realized I completely misread your question.  I thought you were asking where I got my report from (as in what site).  I now realize you just wanted to know where to check it.  Glad you found it.

But yeah, that is why I chose USAA.  You can pull a fresh one every single day if you want.  It is great if you have a problem and are obsessive like me!

[Repo-ed]

No problem! Glad you brought it up, I had no idea or simply didn't pay attention to my options.

[Anonymous]

I pull mine everyday when I get home from work too.

[Anonymous]

I got an email notification when TU updated my address.

The thing that dissapoints me is that I've had the same exact FAKO scores since day one, 2 months ago, despite paying off a loan and the AAoA increasing.  737, 737 and 749.  Yes, I know they're FAKO, but even my CK score, which was perpetually stuck at 720 for months on end, increased to 753 after my loan payoff posted.

[Anonymous]

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@Anonymous wrote:

I got an email notification when TU updated my address.

The thing that dissapoints me is that I've had the same exact FAKO scores since day one, 2 months ago, despite paying off a loan and the AAoA increasing.  737, 737 and 749.  Yes, I know they're FAKO, but even my CK score, which was perpetually stuck at 720 for months on end, increased to 753 after my loan payoff posted.

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Well, for whatever reason, they have decided not to notify me of this inquiry, ugh.

I didn't realize that loan payoffs impacted scores.

[Anonymous]

Not the payoff in particular, but the lowered credit utilization.