Background Check at USAA

If you have bad credit will you not get hired at USAA?

I am not sure; considering that 1 out of 5 americans has bad credit due to foreclosures...does that mean they won't consider you? i hope not! good luck

USAA does run a credit check included in the overall background check. Many people are not hired because of poor/no credit. This is because USAA handles bank, credit card, and investment accounts and people with poor credit are more likely to steal identities or commit fraud according to financial companies. If you have a situation on your credit, you should use a sheet of paper to explain your credit problem(s) if there are things you think USAA or any company should take into consideration.

Is there a cutoff credit score or credit rating that they use for phone team positions (call center positions)?

kapusta in Tampa, Florida said: Is there a cutoff credit score or credit rating that they use for phone team positions (call center positions)?

No one knows that except HR. But they do run credit checks on EVERYone that works there, even phone center. I had a friend not get hired after she tried 3 times to work there as an ins rep because of a foreclosure and her credit was below average. She had the same exact experience as I did.

I just got hired there as a member relations specialist. I did really well on the assessment, and the interview. I was worried about the background check because I have poor credit. But I got the job, poor credit and all.

It is probably a combination of everything. Maybe they are more forgiving on the bad credit if the applicant does really well on the interviews and the assessments.

chee-chee in Colorado Springs, Colorado said: I just got hired there as a member relations specialist. I did really well on the assessment, and the interview. I was worried about the background check because I have poor credit. But I got the job, poor credit and all.

It is probably a combination of everything. Maybe they are more forgiving on the bad credit if the applicant does really well on the interviews and the assessments.

It is probably because they are in desparate need of MSRs right now. Many of my co-workers are falling like flies when they were always receiving kudos and certificates for service. USAA is realizing they are losing people at a faster rate than they first thought and even more people are on the verge of quitting. My friend got her Masters and put in her 2 week notice and so did my teammate. And the queue is crazy...it used to slow down in the evening and it doesn't anymore. I wish you luck and hope you can stick with it. If not, quit after the bonus because you will deserve and work for every penny of that bonus...it is not a gift.

EP77 in Bulverde, Texas said: It is probably because they are in desparate need of MSRs right now. Many of my co-workers are falling like flies when they were always receiving kudos and certificates for service. USAA is realizing they are losing people at a faster rate than they first thought and even more people are on the verge of quitting. My friend got her Masters and put in her 2 week notice and so did my teammate. And the queue is crazy...it used to slow down in the evening and it doesn't anymore. I wish you luck and hope you can stick with it. If not, quit after the bonus because you will deserve and work for every penny of that bonus...it is not a gift.

That makes sense. Thanks for the headsup!

If nothing else, the tuition assistance will make it a little more worthwhile. I've had a lot of horrible jobs. It always seems like the grass is greener....until you walk into something worse. Try working at Wal-Mart for the crap wages they pay, and all the B.S. you put up with at that company. I am not expecting USAA to be perfect. No job is. But I can guarantee you that it can't be worse than somewhere like Wal-Mart.

chee-chee in Colorado Springs, Colorado said: That makes sense. Thanks for the headsup!

If nothing else, the tuition assistance will make it a little more worthwhile. I've had a lot of horrible jobs. It always seems like the grass is greener....until you walk into something worse. Try working at Wal-Mart for the crap wages they pay, and all the B.S. you put up with at that company. I am not expecting USAA to be perfect. No job is. But I can guarantee you that it can't be worse than somewhere like Wal-Mart.

Yeah, USAA is probably a little above Wal-Mart in that they pay towards your undergrad and they give bonuses, even if they arent guaranteed. Plus the hourly wage is a little more too. Sometimes not even that is enough to keep people, but you never know. It could be worse, like you said. I also know that when you are employed there, they do random credit checks on people and go over your credit with you. Then they ask you to do a credit/financial seminar if you have a repo or foreclosure or below a 600 score. My friend was randomly picked and I was too.

my husband has been contracting there and is getting ready to go perm, we don't have the best credit score, high debt to income ratio, but our overall credit is ok, no foreclosures, no bankruptcies, no repos, some medical collections, do you think this would be a problem? any comments would help to ease the pressure.

tt in San Antonio, Texas said: my husband has been contracting there and is getting ready to go perm, we don't have the best credit score, high debt to income ratio, but our overall credit is ok, no foreclosures, no bankruptcies, no repos, some medical collections, do you think this would be a problem? any comments would help to ease the pressure.

They do want good credit. My co-worker had HR approach her at her background check that they do every 5 years because she had some financial hardships after getting a divorce and they wanted to talk to her about it. She felt it was intrusive but she still works there.

tt in San Antonio, Texas said: my husband has been contracting there and is getting ready to go perm, we don't have the best credit score, high debt to income ratio, but our overall credit is ok, no foreclosures, no bankruptcies, no repos, some medical collections, do you think this would be a problem? any comments would help to ease the pressure.

If you have below a 650 and high debt, someone in HR will call you to explain the blemishes on your report. It is random but they eventually get to everybody. Most of the time, they will require you to go to a financial advice seminar also.

Anyone know how accurate the USAA website is when it indicates "Interview in Progress" by your status? It's been almost a month since they flew me out to San Antonio and had me interview with co-workers, managers and their managers. Since then checked with HR twice, was advised, she'll get back to me as soon as she knows something. The job was originally posted over two months ago and is no longer posted. Does "Interview in Process" mean "forget about it" after so much time has passed? Wouldn't they send me the standard "Sorry, but" email after my inquiries? I would imagine my background (credit) could be a challenge. Anyone with positive or negative from a similar situation?

brooklynroads in Tampa, Florida said: Anyone know how accurate the USAA website is when it indicates "Interview in Progress" by your status? It's been almost a month since they flew me out to San Antonio and had me interview with co-workers, managers and their managers. Since then checked with HR twice, was advised, she'll get back to me as soon as she knows something. The job was originally posted over two months ago and is no longer posted. Does "Interview in Process" mean "forget about it" after so much time has passed? Wouldn't they send me the standard "Sorry, but" email after my inquiries? I would imagine my background (credit) could be a challenge. Anyone with positive or negative from a similar situation?

Not sure, because I wasn't able to check my status on a website. I think they were still using DOS back then..they still didn't even have a website yet! I waited about one month for my training to begin from the initial call telling me that I had an interview scheduled. Hope that helps a bit. Companies aren't really that courteous when it comes to checking in on someone that is waiting to know if they have the job or not.

I applied for Member Relation Specialist III and I have interviewing in progress showing on the web site. I just received a email today to complete a online assessment. Weird thing is I haven't even spoken to one person. I'm also concerned about the credit check. My credit wasn't the best but I also have been unemployed for the last two months and so more people aren't getting paid. Is credit looked at harshly or is it more on your skills.

I am in the same position showing interview in progress. After completing and passing the assessment, I got an email scheduling a phone interview on Monday. Haven't spoken to anyone as of yet.

joev5630 in San Antonio, Texas said: I applied for Member Relation Specialist III and I have interviewing in progress showing on the web site. I just received a email today to complete a online assessment. Weird thing is I haven't even spoken to one person. I'm also concerned about the credit check. My credit wasn't the best but I also have been unemployed for the last two months and so more people aren't getting paid. Is credit looked at harshly or is it more on your skills.

You won't speak to a real person in front of you until you are pretty much hired. Everything is internet and phone now since they shut the employment office on campus in 2002. After 9/11, they believe everyone not an employee on campus is a potential terrorist and because they handle military financial stuff, they feel they are a potential target of Al-Qaeda. Credit is a big deal since they also check your credit after you're an employee. They do random credit checks every few months and will interview you on the phone about your credit history and they go back 7 to 10 years. They will also make you sign up for money managment classes. The reason is because they feel your credit score/history shows them the likelihood of you stealing member's information to use their cards or money to pay your bills.

EP77 in Bulverde, Texas said: You won't speak to a real person in front of you until you are pretty much hired. Everything is internet and phone now since they shut the employment office on campus in 2002. After 9/11, they believe everyone not an employee on campus is a potential terrorist and because they handle military financial stuff, they feel they are a potential target of Al-Qaeda. Credit is a big deal since they also check your credit after you're an employee. They do random credit checks every few months and will interview you on the phone about your credit history and they go back 7 to 10 years. They will also make you sign up for money managment classes. The reason is because they feel your credit score/history shows them the likelihood of you stealing member's information to use their cards or money to pay your bills.

Could it help that I have worked for Sears ,Chase and Wells Fargo and nver stole a diem bad credit and all. Or do they not care and its just your credit suxs and no dice

joev5630 in San Antonio, Texas said: Could it help that I have worked for Sears ,Chase and Wells Fargo and nver stole a diem bad credit and all. Or do they not care and its just your credit suxs and no dice

Your job history will help, plus since there are large amounts of turnover and current employees cannot keep up with the queue, you have a good shot. There is still a chance they will call you on your extension after you are hired to interrogate you about your past credit mistakes. They did that to me even though it had been almost 8 years from the last negative item and I had been there 6 years...I suppose because they had just started doing this new thing and they barely got around to it. i was hired because I had only one blemish on my credit and I used the back of the application to explain it also.

Thanks EP77, I appreciate you answering my questions. Im glad to hear that I have a shot with my job history. I dont mind them interogating me. I talk to credtiors all day about being unbable to pay them so I can take that from USAA.LOL. I went and took a UA today and submitted my info for the background. So my fingers are crossed and I have my phone interview on Wed. Thanks again EP77

I keep getting rejected in my interview, don't know what the problem could be. I have relevant experience, education and I interview well. I've had background checks and been drug tested. I have no record and dont use drugs. How do I keep getting rejected? Also, I've known people that got the same position and they are definitely not the brightest crayons in the box. So frustrating.

Same thing happened with me... my opinion on this, after reading lots of posts and such, is that they WANT to hire less intelligent people because those are the people who will "drink the cool-aid". No offense to people who work there and are intelligent of some I do know... I'm sure a few of the good ones like us slipped by and got in. I honestly think we are better off not working for this company. I know I wouldn't want to kiss ass everyday of my life while having extreme anxiety over a huge work load for little pay and whether I'm going to get fired or not for no reason.

what the in San Antonio, Texas said: I keep getting rejected in my interview, don't know what the problem could be. I have relevant experience, education and I interview well. I've had background checks and been drug tested. I have no record and dont use drugs. How do I keep getting rejected? Also, I've known people that got the same position and they are definitely not the brightest crayons in the box. So frustrating.

They will hire smart people when they want to. They might have enough right now, which is because yes, unfortunately they want to keep the number of smarties down because we are a threat. If you happen to be an intelligent person that DOES make it into that dungeon, then you will have no opportunities to move up because you are good at the job you have and the dummies move up because they do not question things, they are pliable, and/or do not know the law. And if you do make it up, it will be through a lot of brown nosing. I was there 8 years and I witnessed this trend happen before my very eyes. It is sad, but that is how companies are now.

EP77 in Bulverde, Texas said: They will hire smart people when they want to. They might have enough right now, which is because yes, unfortunately they want to keep the number of smarties down because we are a threat. If you happen to be an intelligent person that DOES make it into that dungeon, then you will have no opportunities to move up because you are good at the job you have and the dummies move up because they do not question things, they are pliable, and/or do not know the law. And if you do make it up, it will be through a lot of brown nosing. I was there 8 years and I witnessed this trend happen before my very eyes. It is sad, but that is how companies are now.

Wow, someone's lost all sense of reality. Hilarious.

joev5630 in San Antonio, Texas said: Thanks EP77, I appreciate you answering my questions. Im glad to hear that I have a shot with my job history. I dont mind them interogating me. I talk to credtiors all day about being unbable to pay them so I can take that from USAA.LOL. I went and took a UA today and submitted my info for the background. So my fingers are crossed and I have my phone interview on Wed. Thanks again EP77

Did you get the job??

howaboutwemoveon in San Antonio, Texas said: Wow, someone's lost all sense of reality. Hilarious.

Perhaps you are the one who has no sense of reality, at least in regard to the subject that EP77 is talking about. He/She is absolutely correct, at least as far as the call center goes. The LESS educated person fits in best because they do not question, they do not analyze, they provide no critical thinking...basically they are robots. If USAA says SHI! doesn't stink, the successful Member Svc Rep will nod their head in agreement.

Where in the company do you work?

HonestOne in Boerne, Texas said: Perhaps you are the one who has no sense of reality, at least in regard to the subject that EP77 is talking about. He/She is absolutely correct, at least as far as the call center goes. The LESS educated person fits in best because they do not question, they do not analyze, they provide no critical thinking...basically they are robots. If USAA says SHI! doesn't stink, the successful Member Svc Rep will nod their head in agreement.

Where in the company do you work?

Do you remember some questions on the basic licensing for the claims representative?

HonestOne in Boerne, Texas said: Perhaps you are the one who has no sense of reality, at least in regard to the subject that EP77 is talking about. He/She is absolutely correct, at least as far as the call center goes. The LESS educated person fits in best because they do not question, they do not analyze, they provide no critical thinking...basically they are robots. If USAA says SHI! doesn't stink, the successful Member Svc Rep will nod their head in agreement.

Where in the company do you work?

Do you remember some questions on the basic licensing for the claims representative?