I understand that the most (not all) of the major banks like Chase, Citi, and AmEx don't report biz cards to your personal credit report at the three major credit bureaus, but I read that US Bank also pulls from two bureaus I've never heard of: ARS and SageStream. My concern is that I have no idea what what kind of info is contained at those smaller bureaus. I've read that US Bank uses those reports to determine how many credit applications were made, and that those reports should be frozen, while others are reporting that freezing them will cause your credit app to be denied.