happy9zz

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?

jatink129

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.

chrisj500

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.

jatink129

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.

jatink129

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.

JWEMTX

Other than US Bank, any other bank use these two agencies?

silver6054

Or in this particular case, look at the wiki post at the very beginning of that thread.

jatink129

Not that I know of.

Aah. Totally missed that sneaky little Wiki. (still not used to the little "+", even after creating a couple of wikis myself!)
Apologies.

chrisj500

My ARS report contained references from BofA (FIA), Citi, and Chase, National City (PNC), and US Bank.

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...

BQatWSU

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

jatink129

How'd you pay?
Or do you mean the cost of postage?

HansGolden

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.

happy9zz

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?

ddallas

My guess based on reading every post in the Carlson thread would be no. But every once in a while someone reports that they have lots of apps and still get approved. The number one thing US BANK denies for is "too many new accounts or too many Inqs" in the last year.