1,000% on the spot. Experian was one of the failure sub-contractors USAA uses. Ussa severed its credit rating service, but still posy’s our credit scores from Experian. That fact doesn’t mean we must use the info, as we can individually become members under there other, two, main credit rating services. That said, Experian is one horrible service at best! Experian dropped my credit score by a HUGE amount for non-payment on my truck loan. No issue with that: if I don’t pay my Logan’s, I deserve a major credit score hit! But I didn’t have a truck; didn’t have a truck loan with USAA; didn’t have a truck loan with anyone. The loan wasn’t centered in my address; different city almost 100 miles away. Loan in a name different from mine. Experian, using USAA data, had ruined my credit history because someone else, with a different name, didn’t pay his bill. Experian still provides credit score and report info under our old files from when associated as USAA members. I still watch the Experian reports to check their work. I file challenges all the time with Experian for things like: listing addresses at the wrong cities and states; wrong telephone numbers; even fraudulent loans like one from the Small Business Administration [SBA] which indicated I applied for a small business loan. Experian is poorly run, and many times bad impacts came directly from USAA. Of all the sub-contractors associated with USAA, that provide horrendous products, Experian is the worst. Whether USAA plus these subs, or the subs pay USAA for the services, it’s apparent someone makes verrrrrrrrry bad choices, or someone takes kickback. I don’t know which one it is, but USAA’s subs suck pondwater! [NO CEO CALLS, PLEASE!].
