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USAA CreditCheck - all 3 scores the same?

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kroberts67
Established Contributor

USAA CreditCheck - all 3 scores the same?

I signed up for this today and its weird that all 3 scores are the same.  Ive been pulling them from various places daily and i know they're each very different...  all 3 actually match to Experian PLUS score.  Even though its an Experian-run company, if they used PLUS to calculate each they'd still vary...  cust service had no anwer a to why.  I'm hoping they kick in correctly when I get tomorrows.  I know they're not Fico but still they should be different.  Has this happened to anyone else using their service?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 1 of 12
11 REPLIES 11
llecs
Moderator Emeritus

Re: USAA CreditCheck - all 3 scores the same?

PLUS scores are the same across all 3 (unlike FICO) and are very basic and very linear. 2 of my 3 PLUS scores are the same despite the report info being a little different (TL on one but not the other).

Message 2 of 12
kroberts67
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?

I would understand if they were at least similar but EX is so diff from the other two.  5 collections and a public record vs 1 or 0 collection, no public record...  just seems like a sys glitch rather than a coincidence?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 3 of 12
Rhaeny
Valued Contributor

Re: USAA CreditCheck - all 3 scores the same?

Yea same here....all 3 are the same at 722.  Been like that for about a month now.

Cap1 Quicksilver 11.5K | Chase Amazon Visa 10K | Citizens Bank MC 8K | Citibank MC 5.2K | Home Depot 5K | Bank of America Visa 4.5K | Best Egg Visa 3.8K | Dell 3.5K |Ally MC 2.9K | Apple 2.25K | Merrick Visa 2.3K | Amazon Store (SYNC) 1.8K



Fico Score 8: Equifax 725 | Transunion 742 | Experian 734
Message 4 of 12
kroberts67
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?

I guess that's the way they are?  Well I do like their layout and how they show %UT etc etc etc. And I don't have to wait 24 hours, as long as I wait until after midnight.  And every time I've called the USAA people are so nice!  Smiley Happy

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 5 of 12
Deltadog03
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?

Ok Stupid question time...LOL  I just signed up for USAA and really like it so far, but how do I log back into my account and view my reports etc....when I login to USAA I don't see anywhere to view my report, scores...etc....

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 6 of 12
Deltadog03
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?

Oops, If I read the email it said that for 24-48 hours there will be no link in there.....Sowwy...carry on

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 7 of 12
dodfire
Valued Contributor

Re: USAA CreditCheck - all 3 scores the same?

Just checked mine and all 3 are different. 

*8/10/13
Message 8 of 12
kroberts67
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?


@Deltadog03 wrote:

Ok Stupid question time...LOL  I just signed up for USAA and really like it so far, but how do I log back into my account and view my reports etc....when I login to USAA I don't see anywhere to view my report, scores...etc....


Until it's set up in your accounts you will just click on the sign up link for now and it will take you in, it will know you've already signed up.  It only took I think 2 days?  for me to see the new link in my account listings.  Smiley Happy

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 9 of 12
namvet
Established Contributor

Re: USAA CreditCheck - all 3 scores the same?

Been with USAA for a couple of years and my scores have never been all the same.  Sometimes TU and EX will report the same.  EQ was always my lowest score but as last month it is the highest.  YMMV

Message 10 of 12
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