USAA credit monitoring service and it's reliability

[IOBA]

pakman92 - my experience with USAA credit monitoring is that they usually send me one alert (no matter which CB it involves), not multiple alerts for multiple CB.   Just one notice for one event.  Make sense?

[Anonymous]

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@IOBA wrote:

pakman92 - my experience with USAA credit monitoring is that they usually send me one alert (no matter which CB it involves), not multiple alerts for multiple CB.   Just one notice for one event.  Make sense?

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Actually, I got a single e-mail telling of 2 alerts.  one account creation in EQ, one account creation in EX (both for thw WalMart account).  Even if what you are saying is true a separate alert for the inquiry which was for TU should have been produced.  Am I missing something?

[IOBA]

I don't know.   I know that I don't recieve alerts when balances update.   Just when there is an inquiry or a new account added.  I usually receive one alert per event, regardless of how many CB's it covers.

Now I have noticed that TU seems to update much later than the two E's.  For example, I just had a closed account reopened.  Received an alert.  When I pulled a new report, TU reported that the inquiry was done on 03/09/2012 but the other two CB said it was done on 03/19/2012.    It was done on 03/19/2012 - I know, since I called the cc company on 03/19/2012!!   Maybe becuase TU backdated the inquiry, there was no "alert".

I have also noticed that TU seems to always have a different "date" than the other two E's for pretty much everything - date accounts opened, inquiries...

[jdogi]

I just looked an USAA has alerts listed for all thee CRs for every new account I've created.  however, the alert date is consistently ~10 days after the other two CR alerts.  Strange.  How long ago did this new account appear for you?  Less than 10 days?  If not, wait, it will probably happen.

[IOBA]

jdogi - in my case, I called the ccc and had an old account reopened.   The ccc put me on hold, then came back with the answer, yes it could.  I received an alert the next day.

I pulled my CR and saw that the cc had done a hard pull on the two E's.  There was nothing on the TU report - no inquiry, nada.  (The phone conversation was on the 18th with the ccc and the alert was on the 19th for the hard pull.) 

The following week (on the 23rd), when I pulled my CR again, TU was reporting a hard inquiry and it was back dated to the 9th of the month.   There was no alert for that.   Me thinks it was because it was backdated.

When I pulled my CR, I also looked to see if the cc was "open".  It is still listed as closed on all three reports.

I am still learning the ins and the outs of the credit monitoring service.  I don't have a lot of activity on my reports since I am always trying to keep it clean and mortgage friendly.  The thing that I have consistantly noticed is that TU seems to **always** have a different open/closed/inquired date than the two E's.  They are almost always a 1-2 weeks difference, with TU always backdated things.  I have an Excel spreadsheet that I record all the info in and update when I pull new sheets.  I am looking for patters and behaviors of the creditors and the CB.