USAA CCM - Discrepancies

[gamegrrl]

I just pulled my free annual credit reports. I also signed up for USAA CCM: their premium monitoring service.

On my free annual credit reports, I have three negative dings. All three are student loans, but the lates should be falling off over the next couple of months.

On the USAA reports, all three (TU, EXP, EQ) are showing ONE negative ding, which is one of the student loans. It's the same loan/ding on all three of the reports through USAA.

I'm confused.

[llecs]

Are you saying accounts are missing? Or account descriptions differ between the two (e.g.potentially negative, etc.)?

[gamegrrl]

I'm saying that the accounts are all there, but on the direct-from-CRA reports as of today, they are negative. As of the USAA report(s) today, one is showing negative and the other two are showing positive.

If USAA gets their data directly from the CRAs, I would expect them to match.

[llecs]

IMO, ignore the descriptions. They'll often mis-match. Also, these aren't FICO related. You might have some showing as positive on USAA and/or directly from the CRAs and FICO would score it as a negative, or vice-versa.

[Anonymous]

USAA only shows a 24 month payment history, so if the last are anytime before the last 24 months they will not show up on USAA.