Originally Posted by
levander
Looking at applying for a US Bank card, so I'm considering the old advice of freezing my ID Analtyics and ARS reports to maybe make getting the card a little easier.
googling, I found some interesting info about ARS:
http://creditboards.com/forums/index...wtopic=499219#
Apparently, ARS just keeps up with what you do with your Visa and MasterCard cards. And not having anything major on my reports like a BK or even any late payments, I don't know how that could hurt me. Allowing US Bank to gather extra information could maybe even help me?
But, I have no idea what IDA gathers up. Does anybody know anything about what this company gathers? All I know about them is they were fairly recently bought by Lifelock
IDA is a credit reporting agency just like the big three subject to the dame consumer dispute regulations for instance Many lenders send the same data to Ida as to the big three. IDA has a lot of data. Some lenders send all their application data and approvals and declines as well as transaction data that can be used for fraud scores FICO does not provide a score to IDA for instance as they do to the big three. They started out with telco data and fraud/identity verification, but as their data base grew they were are able to provide other services as well, like how much of a deposit should be charged to a mobile user. . They have fraud and credit scores they have developed both custom and generic. They were a small company out of San Diego and as you mention we're bought a couple of years ago y lifelong when the owner was ready to cash out.