What does ARS & IDA mean? is it good if freeze ARS & IDA before apply credit card?
 

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?:confused:

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.

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.

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.

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.

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

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

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.

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

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

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

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?

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.

I got instant approval for the club carlson card and here is my list

Jan 2012 - Amex HH
Feb 2012 - BofA & BofH HA
May 2012 - Chase UA Club, Citi HH
July 2012 - Chase BA
Sept 2012 - CIti HH x2, AMex Surpass

Jan 2013 - Amex SPG, Citi AA x2, Barclay USAir
Feb 2013 - Chase UA Exp, AMex PRG
April 2013 - Chase CSP
May 2013 - Citi Reserve
June 2013 - Chase UA Exp BIZ
July 2013 - Citi AA x 2 (yep, 4 AA cards in 1 year)
Aug 2013 - Amex SPG BIZ
Sept 2013 - Club Carlson

So.. as you can see, it is possible since I haven't really followed any logic or done AORs that well and still get approved for almost everything I apply for

Any idea how many inquiries in 12 months is too many for US Bank approval? And is 12 months typically the window "looked at" by most banks for this purpose?

Anyone noticed that ID:Analytics seems to be a wholly owned subsidiary of LifeLock?

From http://www.idanalytics.com/company/ "ID Analytics, Inc., a leader in enterprise identity risk management — with advanced science — that provides unprecedented visibility into identity risk and credit worthiness, is a wholly owned subsidiary of LifeLock, Inc."

It varies from bank to bank. The only one I'm familiar with in exact numbers is that Citi counts the last 6 months, and typically wants no more then 6 inquiries (on which bureau[s] it pulls) during that time (ie, it tends to reject you if there are 7).

Does freezing these two want-to-be-bureaus help with applying for non-US Bank cards?

Thanks very much sdsearch for the Citi data point.

None of the other banks that are popular on FT seem to use them at all. Beyond FT, either myfico or creditboards would be the place to check, if you're applying with an obscure issuer.

A year ago, I got the Club Carlson personal Visa card. A couple of months later, US Bank solicited me for a business card (not the Club Carlson one). I figured "hey, if they want me to have a biz card, too, let me apply for the Club Carlson one." I did, and they then rejected me for having too many applications!

I haven't thought about it too much since then. I don't really NEED the Club Carlson biz card, but it would be nice to have for the sizeable sign-up bonus -- and the renewal bonus (along with the renewal bonus for my personal card) would provide a steady stream of annual cheap hotel nights (so long as the program rules don't dramatically change).

Considering I was rejected before -- and my overall credit card churning habits haven't changed -- I'm wondering if I should freeze ARS and IDA and apply again for the Carlson biz card. I'm not too familiar with freezing credit card reports: is there ANY downside to doing this?