Does USAA Offer Credit Monitoring?

USAA no longer offers free credit scores and credit monitoring. Here's where you can get credit services instead.
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USAA credit monitoring

Editor’s Note: The original article at this URL detailed USAA’s CreditCheck program. This article has been updated and rewritten several times to reflect that USAA transitioned to Experian credit monitoring before discontinuing the program altogether.

In short, no. USAA previously offered a free, in-house CreditCheck program before transitioning to offer a version of Experian’s CreditWorks program.

USAA has since discontinued credit monitoring and identity protection plans altogether. USAA’s CreditCheck web page is no longer available and articles on the USAA site refer members to free options like

Do You Keep Track of Your Credit Score? 

If not, you probably should. Banks, lenders landlords, and even employers use it as an indicator of your trustworthiness.

Your credit score also determines whether or not a bank will extend a loan and the terms they offer. The better your score, the lower your perceived risk, and the lower the interest rate you may qualify for.

For all the above reasons, you should monitor your credit score to make sure it is accurate.

If you notice something out of the ordinary when you’re reviewing it, it may indicate that your identity has been stolen.

Credit Karma, Credit Sesame and More

How to Monitor Your Credit History and Credit Score for Free


Experian calculates credit scores through the FicoScore model, which some lenders use. Others use VantageScore, which calculates credit scores and credit risk using a different scale and algorithm.

Regardless of the scoring system, both models should give you a fairly accurate representation of your credit profile.

Experian’s free CreditWorks option includes:

  • Credit report access
  • Credit score access
  • Credit change alerts

Experian’s Premium CreditWorks Option costs $24.99 per month. Subscriptions include:

  • Experian, Equifax and TransUnion reports
  • Credit scores from all three credit bureaus
  • Identity montoring alerts

You do not need to purchase a premium plan to benefit from credit monitoring.

Just knowing your credit score and what is on your report can help you improve your credit score, reduce your overall risk and ensure there have been no inaccurate changes to your credit profile.

Here is more information about understanding your credit score. Frequent monitoring can also help you catch identity theft early.

More About Becoming a USAA Member

While the USAA CreditCheck program is no longer available to USAA members, USAA membership is still worth considering. The organization offers competitive terms for banking, insurance policies, mortgages, loans and investment plans for military members and their families.

We also rank USAA among the best military financial institutions.

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  1. Guy Looch says

    If you agree to their new terms, our old friend USAA now says that “for free” means your giving your info to a shadow company called “CSI Identity Corp., an Experian Company”, who will be offering it to the highest bidders, or “3rd parties”… and there i stood at the crossroads.

    • Ryan Guina says

      Guy, I’m not sure this is any different from any other credit agency sharing or selling your information with third-party vendors. The major credit bureaus have been doing this for years. You would need to contact each of them to see if it is possible to have your information withheld from sharing with third-parties.

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