What credit score does USAA use?

Written by Editorial Team | Last Updated: August 2026

USAA provides banking, insurance, and financial services to military members and their families, utilizing comprehensive credit evaluation models. When reviewing applications for credit cards, auto loans, or personal loans, USAA primarily pulls credit scores from Experian, Equifax, and TransUnion, relying heavily on standard FICO score calculations to assess a borrower's overall financial reliability, risk profile, and debt-to-income history.

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