What does ARS & IDA mean? is it good if freeze ARS & IDA before apply credit card?
SubscribeI 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?
#2
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.
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.
#3
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.
http://www.flyertalk.com/forum/credi...n-renewal.html
Generalized, it may be helpful to freeze ARS & IDA reports for any US Bank application.
#4
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.
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.
#5
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.
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.
#7
Quote:
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.
Or in this particular case, look at the wiki post at the very beginning of that thread.Originally Posted by 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.
#8
Quote:
Not that I know of.Originally Posted by JWEMTX
Other than US Bank, any other bank use these two agencies?
Quote:
Aah. Totally missed that sneaky little Wiki. (still not used to the little "+", even after creating a couple of wikis myself!) Originally Posted by silver6054
Or in this particular case, look at the wiki post at the very beginning of that thread.
Apologies.
#9
Quote:
My ARS report contained references from BofA (FIA), Citi, and Chase, National City (PNC), and US Bank.Originally Posted by JWEMTX
Other than US Bank, any other bank use these two agencies?
#10
Quote:
Yeah, but I don't think they "use" ARS, if you know what I mean.Originally Posted by chrisj500
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...
Quote:
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
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
#12
Quote:
How'd you pay?Originally Posted by 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
Or do you mean the cost of postage?
#13
HansGolden , Sep 24, 2013 11:49 am
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.
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?
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?
Quote:
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?
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.Originally Posted by happy9zz
CitiBusiness AAdvantage Visa-------2/10/2013 TranUS 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?