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You are absolutely right!!!!! I have been with this going to sht bank for 29 years and slowly transferring to Navy Federal Ceredit Union. I have had a mortgage with USAA, two car loans, home and auto insurance, personal loan and a credit card, in which I have paid (some closing) I also have credit check monitoring that I pay for every month. So I applied for a refinance and guess what, denied! USAA now go strickly with inacurate credit scores namely with Eqifax (the most inaccurate can't get my name or past addresses right) USAA promotes Experian's Credit Monitor, which I use BUT DOn't USE the very same credit reporting agency they promote! WTH.....I'm done with these money grubbing POS!