@Anonymous wrote:
@Anonymous wrote:
Yes, dear Emerita, it does bother me. Still, I suppose they get a lot of the same data from their monthly soft pulls. Alliant CU also has an account aggregator function.
On a scale of 1 to 100, I trust Allliant about 95% and USAA about 93%. Any other bank is just about SOL on the trust factor.
BoA has an account aggregator as well. A few years back, I thought, "Cool!" and linked all my accounts. That started an onslaught of BoA marketing calls, and junk mail. I received quite a few direct marketing calls from their affiliates. It took a while, and a direct reference to one of my linked accounts for me to figure out why the sudden onslaught of sales pitches. I deleted the accounts, and opted-out with BoA directly. It left an icky taste in my mouth that they so quickly & thoroughly leveraged that information for their own purposes, that I will never use one with any financial institution again. I went back to Microsoft Money (at the time, before it went belly up). And, I just have to remember userids & passwords for mobile apps on my iphone <sigh>.
I still use MS Money!! 
I knew there was a nefarious reason why banks offered free account aggregators. I wonder why they even offer free billpay.
@Anonymous wrote:
@haulingthescoreup wrote:Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?
I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.
Just curious.
Yes, dear Emerita, it does bother me. Still, I suppose they get a lot of the same data from their monthly soft pulls. Alliant CU also has an account aggregator function.
On a scale of 1 to 100, I trust Allliant about 95% and USAA about 93%. Any other bank is just about SOL on the trust factor.
I'm OK with them seeing total amounts charged on my other accounts via soft pulls. Who knows, maybe they'll get inspired to do something in the rewards area!?!
But if I'm able to log in to USAA to see if a new PenFed charge has hit, or a new Chase Freedom charge has posted, I assume that they can see this as well. When charges post, they list where the card was used. They might even have the category of usage (groceries, music, etc.); I don't know. And I haven't decided if I'm OK with that. That's way more than they can see with a simple soft pull.
Unlike others, I don't care if they see my charges at Booze 'R' Us. If a bank doesn't like where I use its card, I'll be happy to cancel that card. I'm just not sure that I want them to be able to paint a portrait of my life via my usage of other lenders' CC's, since I'm one of those who uses plastic for everything. Quite literally, the only things I routinely use cash or checks for are a roll of quarters for the laundry room and my weekly check to church.
I'm with you on the trust level, but still... I don't want to be a new guinea pig for marketing majors to study. Let them go peruse Facebook or something. 
And as for Mint, which was being discussed earlier, they have never, ever managed to be able to update my USAA accounts, except for the initial day of registration. And since that's most of my retirement, all of my banking, my auto insurance, and two of my CC's, that means that Mint is useless for providing any kind of overview of my finances.
@haulingthescoreup wrote:
@Anonymous wrote:
@haulingthescoreup wrote:Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?
I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.
Just curious.
Yes, dear Emerita, it does bother me. Still, I suppose they get a lot of the same data from their monthly soft pulls. Alliant CU also has an account aggregator function.
On a scale of 1 to 100, I trust Allliant about 95% and USAA about 93%. Any other bank is just about SOL on the trust factor.
I'm OK with them seeing total amounts charged on my other accounts via soft pulls. Who knows, maybe they'll get inspired to do something in the rewards area!?!
But if I'm able to log in to USAA to see if a new PenFed charge has hit, or a new Chase Freedom charge has posted, I assume that they can see this as well. When charges post, they list where the card was used. They might even have the category of usage (groceries, music, etc.); I don't know. And I haven't decided if I'm OK with that. That's way more than they can see with a simple soft pull.
Unlike others, I don't care if they see my charges at Booze 'R' Us.
I'm with you on the trust level, but still... I don't want to be a new guinea pig for marketing majors to study. Let them go peruse Facebook or something.
And as for Mint, which was being discussed earlier, they have never, ever managed to be able to update my USAA accounts, except for the initial day of registration. And since that's most of my retirement, all of my banking, my auto insurance, and two of my CC's, that means that Mint is useless for providing any kind of overview of my finances.
I agree with you, Emerita.
By the way, you also shop at Booze 'R' Us???
@Anonymous wrote:
...By the way, you also shop at Booze 'R' Us???
I have a personalized cart, thank you.
Newest find: Bogle Vineyards Old Vine Zinfandel, 2007 or 2008. I hope everyone thinks it's super-icky, because I've gone to a lot of trouble to NOT develop a palate and thus enjoy wines that go for $5 - $9.99 a pop. And this one's at the top of my price range. I usually hover in the $5.99 range.
I won't buy Two-Buck Chuck, though. I do have my standards. 
I remember buying a six-pack of Two Buck Chuck at Trader Joe's a few years ago when it was quite the rave. I don't drink a lot of wine, so no problem.