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Can we freeze Advanced Resolution Services, Inc. and IDA, Inc?


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Did you try?

 

I want some more info before freezing these bastards.

Nope, sorry. I meant to but got caught up in the holidays, and the task fell off my list. I am gardening for a while, so it wouldn't be much of an experiment now, or I would go back and do it! Let us know if you try, and if so, how it goes.

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I am getting preapproved offers from US Bank, if I freeze these reports will I get denied on application?

 

Tommy

 

Pretty sure I read about somebody freezing ARS and being approved thereafter for the US Bank Cash+.

 

I'm personally a little concerned now for my own Cash+ PC in 6 months because my INQs on EQ may or may not match up with ARS :angel:

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"Pretty sure I read about somebody freezing ARS and being approved thereafter for the US Bank Cash+."

 

Here's a link that recommends freezing them to get the Club Carlson VISA

http://hackmytrip.com/2013/06/freeze-ida-ars-us-bank-club-carlson/

 

"It turns out that US Bank gets this information from two secondary credit bureaus: ARS (Advanced Resolution Services) and IDA (ID Analytics). It’s possible to “freeze” these 2 bureaus with a simple form request, thus disallowing US Bank from getting information from those two bureaus."

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Note: I'm working on getting Innovis, and LexisNexis frozen.

I think there may be significant issues with identity verification in the future IF you are even successful in freezing LN. For credit apps, ARS/IDA is the issue. And I would recommend sticking to freezing ONLY those two. Unless you truly have serious ID theft issues?

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If you're doing an app spree; you really should have a lot of these 3rd party credit reporting agencies frozen on the spot. I know US Bank and a couple other creditors do check these along with Innovis, GIS and a few others. It is kind of rediculous really that you could be denied because a third party credit reporting agency has baddies on it when the big 3 credit reporting agencies do not. Here is a list of all of them that has been updated January of 2014:

 

CFPB: List of Consumer Credit Reporting Agencies

http://files.consumerfinance.gov/f/201207_cfpb_list_consumer-reporting-agencies.pdf

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Note: I'm working on getting Innovis, and LexisNexis frozen.

I think there may be significant issues with identity verification in the future IF you are even successful in freezing LN. For credit apps, ARS/IDA is the issue. And I would recommend sticking to freezing ONLY those two. Unless you truly have serious ID theft issues?

 

I think you may have a point BDK, may have to reconsider freezing LN.

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I have both IDA, and ARS frozen. Applied for a FNBO credit card few months back and was declined because Experian was frozen, but in the letter I got they mentioned something about there being too many inquiries on my ARS report.

So you probably got declined because of ARS, not EX.

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I have both IDA, and ARS frozen. Applied for a FNBO credit card few months back and was declined because Experian was frozen, but in the letter I got they mentioned something about there being too many inquiries on my ARS report.

So you probably got declined because of ARS, not EX.

 

Yes it's possible, but they also mention not being able to generate a credit score.

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I have both IDA, and ARS frozen. Applied for a FNBO credit card few months back and was declined because Experian was frozen, but in the letter I got they mentioned something about there being too many inquiries on my ARS report.

So you probably got declined because of ARS, not EX.

 

Yes it's possible, but they also mention not being able to generate a credit score.

 

If you're EX was frozen, that's probably why, no?

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