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Thread: What does ARS & IDA mean? is it good if freeze ARS & IDA before apply credit card?
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Old Aug 19, 2013, 3:44 pm
  #11  
BQatWSU
 
Join Date: Jun 2012
Posts: 115
Originally Posted by jatink129
Yeah, but I don't think they "use" ARS, if you know what I mean.
My report had references from them as well.
But I've applied for cards from Chase, Citi and BofA after freezing ARS and IDA and gotten approved without a problem.

Wonder if anyone's been denied because of a frozen IDA or ARS report...

I havent heard of anyone getting denied for having them frozen. I froze them before i applied for my latest club carlson card. It cost me a few bucks to freeze and if it leads to even one more approval than i would otherwise get, then it was 10 min well spent
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