What does ARS & IDA mean? is it good if freeze ARS & IDA before apply credit card?
I see some bloggers mention about "to freeze ARS & IDA when they apply their credit cards." I really dont understand what does it mean? and how can I do it? is it good to freeze ARS & IDA before churing credit cards?:confused:
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They are basically two other credit reporting agencies...apart from the regular three.
The Club Carlson card sometimes pulls these reports, and people find themselves getting denied because of some discrepancy in their ARS or IDA report. The complete instructions on how to go about freezing your reports is available here: http://hackmytrip.com/2013/06/freeze...-club-carlson/ His site is down right now, but give it a look once it's back up. |
Instructions are posted in the Club Carlson thread.
http://www.flyertalk.com/forum/credi...n-renewal.html Generalized, it may be helpful to freeze ARS & IDA reports for any US Bank application. |
Somebody linked to yet another blog in that thread, which has the same information as hackmytrip.
http://freequentflyerbook.com/blog/2...k-credit-cards OP, you'll find all the information there, how to go about freezing IDA and ARS. A must before including any US Bank card in your AOR. |
No offense intended chrisj500,and maybe this is just me but I hate it when people say "check here" and then just link the whole damn thread.
In this case, going to that thread and searching for IDA and ARS gives the appropriate and needed result...But often it's next to useless when the keywords are rather generic, and the thread is a mega thread going on for hundreds of pages. |
Other than US Bank, any other bank use these two agencies?
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Originally Posted by jatink129
(Post 21290386)
No offense intended chrisj500,and maybe this is just me but I hate it when people say "check here" and then just link the whole damn thread.
In this case, going to that thread and searching for IDA and ARS gives the appropriate and needed result...But often it's next to useless when the keywords are rather generic, and the thread is a mega thread going on for hundreds of pages. |
Originally Posted by JWEMTX
(Post 21290496)
Other than US Bank, any other bank use these two agencies?
Originally Posted by silver6054
(Post 21291081)
Or in this particular case, look at the wiki post at the very beginning of that thread.
Apologies. |
Originally Posted by JWEMTX
(Post 21290496)
Other than US Bank, any other bank use these two agencies?
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Originally Posted by chrisj500
(Post 21293864)
My ARS report contained references from BofA (FIA), Citi, and Chase, National City (PNC), and US Bank.
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... |
Originally Posted by jatink129
(Post 21294810)
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 |
Originally Posted by BQatWSU
(Post 21300446)
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
Or do you mean the cost of postage? |
I froze my IDA and ARS and got instant approval on both personal and biz Club Carlson cards. And my credit isn't the greatest due to high credit util and being a youngster with short credit history.
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CitiBusiness AAdvantage Visa-------2/10/2013 Tran
US Airways ---------------- ------ 2/10/2013 Tran Chase Ink Plus---------------------2/10/2013 Exp Hawaiian Airlines BOA---------------2/10/2013 Exp Hawaiian Airlines BOH---------------2/10/2013 Exp United MileagePlus Explorer----------2/10/2013 Exp Citi ThankYou Preferred-------------4/30/2013 Exp and Tran United MileagePlus Explorer biz-------7/14/2013 Exp Chase IHG Rewards Club Select-------7/14/2013 Exp Citi Platinum Select/Aadvantage------7/14/2013 Exp and Tran Citi Platinum Select/Aadvantage-------7/24/2013 Exp and Tran In 2013, I have 9 pulls on Experian, and 5 pulls on Trans. I am interesting in US Club Carson Visa 85000 points. Right now, my FICOs is around 755. Do you think that I will get approve on this or not? |
Originally Posted by happy9zz
(Post 21560386)
CitiBusiness AAdvantage Visa-------2/10/2013 Tran
US Airways ---------------- ------ 2/10/2013 Tran Chase Ink Plus---------------------2/10/2013 Exp Hawaiian Airlines BOA---------------2/10/2013 Exp Hawaiian Airlines BOH---------------2/10/2013 Exp United MileagePlus Explorer----------2/10/2013 Exp Citi ThankYou Preferred-------------4/30/2013 Exp and Tran United MileagePlus Explorer biz-------7/14/2013 Exp Chase IHG Rewards Club Select-------7/14/2013 Exp Citi Platinum Select/Aadvantage------7/14/2013 Exp and Tran Citi Platinum Select/Aadvantage-------7/24/2013 Exp and Tran In 2013, I have 9 pulls on Experian, and 5 pulls on Trans. I am interesting in US Club Carson Visa 85000 points. Right now, my FICOs is around 755. Do you think that I will get approve on this or not? |
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