Increase Your Chance of US Bank Card Approval by Freezing IDA/ARS Bureaus

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For some folks, it’s difficult to get approved for miles and points earning credit cards issued by US Bank.  They’re known for denying applications from folks who have a lot of recent inquiries on their credit report.

Part of the reason US Bank is so picky is because they may pull your credit report from 2 lesser-known credit bureaus, IDA (SageStream) and ARS.

And these agencies often include additional information on your report that other credit bureaus don’t share.

Increase Your Chance Of US Bank Card Approval By Freezing IDA/ARS Bureaus

US Bank Pulls Your Credit Report From 2 Secondary Credit Bureaus, and That Can Hurt Your Chances of Being Approved

But you can freeze your IDA and ARS credit reports so that US Bank can’t access them.  And that could improve your chances of getting approved for a card like the US Bank Club Carlson Premier!

I’ll explain how to do it!

How Does This Work?

Most banks pull your credit report from 1 of the 3 main credit bureaus (Equifax, Experian, and TransUnion).

But US Bank also looks at reports from IDA (SageStream) and ARS (Account Resolution Services).  These reports often include more information about your credit history, including your recent credit applications.

Increase Your Chance Of US Bank Card Approval By Freezing IDA/ARS Bureaus

Your IDA and ARS Reports Might Have More Information Than Reports From Other Credit Bureaus

By putting a security freeze on your IDA and ARS credit reports, banks and other lenders will NOT be able to access them.  Which means US Bank will have to pull your report from 1 of the 3 major credit bureaus instead.

Note:   Other banks don’t use these bureaus, so freezing your reports should NOT impact your other card applications.

Here’s how to freeze your IDA and ARS reports.

1.   Freezing Your IDA (SageStream) Report

Link:   IDA (SageStream) Security Freeze

To freeze your IDA (SageStream) report, you’ll have to send a written request via postal mail or fax.

Your letter must include your signature and:

  • First name, middle name, last name, suffix (if applicable)
  • Current address including ZIP code
  • Current phone number with area code
  • Social Security number
  • Date of birth (month, date, and year)

You’ll also have to provide copies of 2 forms of identification:

  • Current state-issued driver’s license or other current government identification (such as a passport)
  • Recent cable, utility, or phone statement (less than 60 days old)
  • Social Security card
  • Birth certificate
  • US passport picture page
  • Alien registration card
  • Voided personal check with your pre-printed address
Increase Your Chance Of US Bank Card Approval By Freezing IDA/ARS Bureaus

You’ll Have to Send Copies of at Least 2 Forms of Identification, Like Your Birth Certificate, Passport, or Social Security Card

Mail your letter (regular mail is fine) to:

SageStream, LLC Consumer Office
PO Box 503793
San Diego, California 92150

Or you can fax it to 858-312-6275.

TravelCodex and Doctor of Credit have good sample letters you can use as a template.  You’ll usually get a confirmation that your report has been frozen within ~1 week.

2.   Freezing Your ARS Report

ARS also requires a written request.  If you choose to mail your letter, you must send it by certified mailYou can also fax it.

Be sure to sign your letter and include:

  • Full name
  • Current address including ZIP code
  • Current phone number with area code
  • Social Security number
  • Date of birth (month, date, and year)
Increase Your Chance Of US Bank Card Approval By Freezing IDA/ARS Bureaus

Send Your Request to ARS Via Certified Mail

And send copies of 2 of the following:

  • Drivers License
  • Passport
  • Social Security card
  • Birth certificate
  • Alien registration card

Send your letter via certified mail to:

Advanced Resolution Services, Inc.
5005 Rockside Road, Suite 600
Independence, Ohio 44131

Or fax it to 216-615-7642.

Bottom Line

You can improve your chances of being approved for US Bank credit cards by freezing your IDA (SageStream) and ARS credit reports.

These reports often contain more information about your recent credit applications, and US Bank can be very picky!

To freeze your reports, mail or fax a letter to each bureau which includes your full name, address, phone number, Social Security number, and signature.  You’ll also have to provide copies of 2 forms of identification.

By freezing these reports, US Bank will instead pull your credit report from 1 of the main credit reporting agencies.  And, depending on your credit history, US Bank might be more likely to approve your application.

Have you had better luck with US Bank after freezing your ARS and IDA reports?

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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10 responses to “Increase Your Chance of US Bank Card Approval by Freezing IDA/ARS Bureaus

  1. I managed to get approved for both the standard Premier and business Club Carlson cards, but it wasn’t easy. Freezing those two reports gives you a better chance at getting instant approval over the web, but all applications are evaluated by an underwriter, even if you’ve been instantly approved.

  2. This news has been around for years. And you’re timing of this post couldn’t be worse with Club Carlson completely stripping away all the benefits of their card.

  3. Are there other benefits (e.g privacy concerns, reduced marketing communications, etc.) to doing this? For that matter, why is it even possible to freeze reports from these two companies? Can you also freeze reports from the big three but it’s simply unwise to do so?

  4. So would you say it’s ok to leave these reports permanently frozen? Is there ever a need to unfreeze it?

  5. Very interesting.

    I was also wondering what others asked:
    Why is it even possible to freeze reports from IDA and ARS?
    Once they’re frozen, why would you ever unfreeze them?

  6. Robert Hanson

    Razor thin value here. Most of the better properties are now requiring 70K points per night. So for your $75 fee and $2500 spend you do get one night. But who wants to stay somewhere for just one night? I guess if your SO also gets the card, you can get 2 nights. Losing that second night free hurts even more than the devalued points categories. 🙁

    My wife and I both have this card, but haven’t spent anything on it since the double devaluation. We’ll keep them open thru the points stays we already have reserved on the old award chart for this Summer, mainly to keep the Gold Status. But we won’t be paying $75 to renew them.

    Would we reapply sometime in the future? Maybe just for the sign up bonus. But past the minimum spend, we wouldn’t be using them at all. And even at that, I’d have to think long and hard about if the CB Inquiry, Annual Fee, and minimum spend would really be worth it.

  7. Just received my SageStream (IDA) report. The only thing on it was when I applied for Discover More card and then more recently my Discover It card. I was very surprise that Discover uses them.

  8. Thank you for the info! I had no idea that these were out there. Sure makes a lot of sense now. I will ask for a copy of my reports and freeze both also.

  9. Got denied for business card because ARS/Sage were frozen. Told to un-freeze and reapply