Because USAA provides me with my Experian credit report and fico score on a daily basis, they have the ability to review an up to date report anytime they want. So your response really doesn't answer my question.
@kgibbs, I understand. All credit monitoring and Identity Protection products are provided from Experian directly to our members. Any application for credit does still require a hard pull to ensure we're able to review a full report and profile. As we're not licensed credit advisers, we're unable to provide additional information. Thank you. ~Holland