If you read the previous review, you saw at the end of November I attempted to deal with USAA with regard to obtaining a mortgage. Boy, was I surprised when they "dinged" my credit score by 23 points! It's been 2 months and WHOLA, my credit score has increased 3 points since then! I hope everyone who reads this and thinks about using USAA for their mortgage assistance considers how adversely they are treating this member of a military family before USAA ruins their credit score.