Pretty disappointed in USAA CMS

[Anonymous]

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@Anonymous wrote:

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

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I thought installment loans were not included in utilization?  If this were the case, wouldn't a mortage put everyone at a huge utilization?

[llecs]

OP, I found they (and other EX-based services like CCT, FCR, and others) alerted about 2-3 days after the event occurred. It's not instant.

I also found their FAKO score (PLUS) doesn't update daily either, especially the EX PLUS score. Not like I should be following them anyway.

[llecs]

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@Anonymous wrote:

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@Anonymous wrote:

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

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I thought installment loans were not included in utilization?  If this were the case, wouldn't a mortage put everyone at a huge utilization?

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FAKOs like the PLUS score factor in installment and CC balances differently. Per FICO, installment util is virtually ignored.

[Repo-ed]

Pulled my reports from USAA again today and really gave my INQ a lookover, because I knew there were many.  Thankfully only 2 are within that 12 month window, but starting last month and continuing through november, all the 2 year old ones continue to fall off completely.

[adavis425]

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@Anonymous wrote:

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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.

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Dang, jimbo831. I'm glad I'm not the only one. Seems I can't let a day go by without hitting that refresh button.