Hi All,
I have subscribed to USAA's CMS, and have noticed that while I can get updated reports daily, my PLUS scores have only updated on a monthly basis. Is this typical, or are the scores supposed to update daily as well? I ask because there is now lower utilization reporting for the past week, but no change in scores. And yes, I know they're FAKO scores, but it's nice to see any type of positive change... 
A simple change in utilization may not affect the score unless it is an amount or percentage that is a part of their formula to determine the FAKO score. I have USAA and pull about 3-4 times a month. My utilization has been at 20% + for the last several months. I have been paying down debt and it is slowly dropping but the scores remained the same. I pulled today and my reported utilization dropped to 19%. My scores increased by 10-15 points. So I am guessing that for USAA Plus scores one of the markers may be less than 20%. This is just based on my own recent experience (23% to 22% to 21% to 20% resulted in no score change.) On the other hand maybe an account reaching a certain age or the temperature in Moscow Idaho being above average for the day changed the score. It's FAKO in the end and I'm not going to waste a lot of time deciphering it.
I use USAA monitoring for the account information and to see when creditors have updated. It's also good about alerts when things happen such as inquiries or new accounts reporting. I have an old collection on two of my reports that FICO says is hurting where it appears (On EQ not on TU) but USAA monitoring says "You have no negative information - this is a positive factor, even when it is clearly visible on my EQ and EX report summary.
@Anonymous wrote:A simple change in utilization may not affect the score unless it is an amount or percentage that is a part of their formula to determine the FAKO score. I have USAA and pull about 3-4 times a month. My utilization has been at 20% + for the last several months. I have been paying down debt and it is slowly dropping but the scores remained the same. I pulled today and my reported utilization dropped to 19%. My scores increased by 10-15 points. So I am guessing that for USAA Plus scores one of the markers may be less than 20%. This is just based on my own recent experience (23% to 22% to 21% to 20% resulted in no score change.) On the other hand maybe an account reaching a certain age or the temperature in Moscow Idaho being above average for the day changed the score. It's FAKO in the end and I'm not going to waste a lot of time deciphering it.
I use USAA monitoring for the account information and to see when creditors have updated. It's also good about alerts when things happen such as inquiries or new accounts reporting. I have an old collection on two of my reports that FICO says is hurting where it appears (On EQ not on TU) but USAA monitoring says "You have no negative information - this is a positive factor, even when it is clearly visible on my EQ and EX report summary.
Thanks, Holding.
This actually does make sense. I am SLOWLY paying down utilization right now, and I probably haven't decreased it enough to trigger a score change.
@Anonymous wrote:If we could only go by those PLUS scores from USAA, they have us in the 750 ballpark and have not ever moved. When we bought the real FICO® score, we were crestfallen -- what a difference. Its the reports we use USAA CMS for, the scores truly are worthless.
Wouldn't that be great?!? My PLUS scores are 738/729/738 - I'd take those any day...
I was going to post this question, glad I did a search. My scores only updated for the the first week (in Jan). Since then, no change. My util has gone down a bit, but 3 CA's came off and 2 TL's gone (1 may come back so monitoring closely). I would think I should see some sort of change in 3 months. But basically just using the service to monitor my reports for changes. Will pull FICO at then end of this month.