I did not freeze reports. Credit score 796. Applied for 2 cards in the past 6 months and 4 in the past 12 months. Applied end of July/beginning of August and was denied. Called recon and they told me to call ARS to find out the issue. Forgot about it and never called. Called US Bank again Friday and ended up talking to someone who turned out to be helpful. They said the issue wasn't with my credit applications but with some personal information regarding addresses in my report. She sent to manual review, will call next Wednesday to clear up situation.