Posted by William Charles on May 26, 2015
Credit Cards

Published on May 26th, 2015 | by William Charles

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Two Credit Bureaus You Should Freeze Before You Apply For A U.S Bank Credit Card

We’re re-posting this post due to the name change of IDA (now called SageStream) and they fact that it’s possible to request these freezes via fax. Thanks goes to Kenny from Miles4more first posting about the ability to fax in these requests.

U.S Bank is known as one of the toughest credit card issuers to receive an approval from, especially if you’ve applied for multiple cards in a short space of time. One way to improve your chances of approval is to freeze two of the lesser known credit bureaus that U.S Bank pulls for every applicant.

No other banks (that I know of) actually use these credit bureaus, so by freezing them you won’t hurt your chances of being approved for their cards. U.S Bank also still approves applicants if they aren’t able to access these reports.

The two companies you want to freeze are SageStream (formerly IDA) & ARS. Below we show you how to freeze both, followed by a sample letter.

Freeze SageStream (formerly IDA)

  • Go to their official website to retrieve their mailing address or fax number
  • Send a certified letter or fax requesting your IDA report be frozen
  • Make sure to include the following necessary information:
    • First and last name
    • Social security number
    • Date of birth
    • Primary phone number
    • Address including ZIP code
  • Two of the following forms of identification:
    1. A copy of a state-issued drivers license or state identification card.
    2. A copy of a “recent” cable, utility, or phone statement with an address matching the address provided in Step 1. “Recent” is defined as no more than 60 days old from the date of IDA, Inc’s receipt of a written request.
    3. A copy of a SSN card.
    4. A copy of a birth certificate.
    5. A copy of a U.S. passport (picture page only).
    6. A copy of a voided consumer check with an address matching the address you provided in Step 1.
    7. A copy of an Alien Registration Card.

For those living in Pennsylvania it’s not possible to fax in your request for this report to be frozen.

Freezing ARS (Advanced Resolution Services)

ARS is a subsidiary of Visa and they don’t have a dedicated website (which is really in violation of the FCRA as contact information is supposed to be clearly displayed and available to the general public).

  • ARS doesn’t have a website but here is their contact information: 5005 Rockside Road, Suite 600
    Independence, OH 44131 or fax: 216-615-7642
  • Send a certified letter or fax asking for your credit report to be frozen
  • Include all of the following information
    • First and last name
    • Social security number
    • Full address
    • Primary contact number
    • Your signature
  • Two forms of identification:
    • A copy of a state-issued drivers license or state identification card.
    • A copy of a U.S. passport (picture page only)
    • A copy of a SSN card
    • A copy of a birth certificate
    • A copy of an Alien Registration Card

Sample Letter

Advanced Resolution Service, INC <Company Name>
5005 Rockside Road, Suite 600 <Street Address>
Independence, OH 44131 <City, State, Postcode>

To Whom It May Concern

I’m writing to you to put a security freeze on my credit report. Under the Fair Credit Report Act you’re required to comply. My information is clearly shown below:

  • Full Name: <First Name>, <Last Name>
  • Social Security Number: <SSN>
  • Current Address: <Current Address>
  • Previous Address: <Only Include If You Moved In The Last 2 Years>
  • Primary Contact Number: <Primary Contact Number>

I’ve included the following two documents that verify my identity:

  • <Name of document one>
  • <Name of document two>

After this credit freeze has been filed, can you also please send me written confirmation to the address listed above.

Kind regards,

<First Name>, <Last Name>

<Signature>

<Date signed>

Final Word

If you’re interested to see what’s actually in your credit report from each of these credit reporting agencies, you also have the right to see a copy once per year. You shouldn’t have any issue requesting this alongside your credit freeze. Make sure you follow all of these steps before applying for any U.S Bank card.

Hat tip to Hack My Trip



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I confirmed the freeze (ARS & IDA) before applying for a Skypass Visa Signature credit card. But I did not get an approval 🙁 Any idea what could’ve gone wrong? This is my first US Bank cc application.

Bank of America also uses IDA they pulled for me and my gf for credit cards.

First National Bank of Omaha denied my card application and based it on my ARS report.

The address for ARS on Businessweek is wrong. It is still

5005 Rockside Road, Suite 600
Independence, OH 44131

Where did these 2 reporting agencies come from? I’ve frozen my accounts with the big 3 (TU, EQ, EX) and now I need to worry about ever other data reseller out there? Geez….

Which address for ARS is correct? The one in the link you put here or the one in the sample letter?
Thanks,
Sam

https://www.innovis.com/personal/creditReport also will send you a free annual credit report. The report is on the lite side and ??? whether credit card access it.

I can’t believe that I forgot about this post. I was just denied a Club Carlson card based on ARS showing too many recent inquiries. I knew to do this before applying and simply forgot. I called recon and they said that they would manually review it, so maybe all is not lost.

I finally obtained a mailed copy of innovis credit report. I see discover and american express credit cards don’t report to innovis as yet! Only visa and mastercard!

Dave is correct. ID Analytics has changed its name to SageStream, LLC. Requests can be mailed or faxed:

Secured fax:
(858) 312-6275

Or

Postal mail:
SageStream, LLC Consumer Office
P. O. Box 503793
San Diego, CA 92150

https://www.sagestreamllc.com/consumer-report/

Hello,

What is considered too many recent inquiries or hard pulls. To date, I applied for Amex Business card in January, and a personal US Airways Visa card in March 13,2015 (both approved instantly); current FICO is 815…what are my chances of getting approved for SKypass personal visa? Should I wait until it is at least 91 days after getting US Airways? I have two 1st class seats on hold from HKG to LAX on Korean Air and need to boost my miles (don’t have enough UR miles to transfer at this time).

Thanks for any help, suggestions or tips. Plan on applying 1st, then my husband will apply to get total 60K miles.

Hi William, thank you for your reply. I got an email from Skypass to apply for the card with 30K bonus miles after minimum spend of $2000, offer expires May 31, 2015. However,
I read on other blogs that this bonus offer is good until end of June. Any comments?
r

Ricky Hightower
Ricky Hightower

Dont open credit just to get miles. You will see that 815 go down to 715

I just put 30k balance on my credit card. I can pay it off any time, before the statement closes or after. Question: Which is better to boost fico score? Have the balance show up on the cc report and show it was paid off one month later or it doesn’t matter? I will make sure I don’t pay any interest. I will be applying for another card in July soon so I don’t want them to freak out about the balance if it shows up in the report. My fico score was 815 a few weeks ago with TU. Thank you for your help.

Is it better to have large balance show up on credit report and then paid off to improv fico score? If I am applying for a new credit card would a recently paid off large balance scare off lenders?

@william charles
any idea if innovis affects credit approvals please?
any disadvantage to freezing innovis?
thanks!

What can I do if I dont have any phone or utility bill with me address on it ?

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