Frustrated with Cap One

[myjourney]

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@Anonymous wrote:

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@myjourney wrote:

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@Anonymous wrote:

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@Anonymous wrote:

From my understanding they just copy things from other CRAs.   YEARS ago I placed a fraud alert on the big three over something that appeared that wasn't mine.  I removed it a couple of years ago when I started rebuilding.  Never even heard of Innovis until this week.

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Exactly, how would they do that?

I have never seen any SP from Innovis on any of my reports, ever.

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There are about 3 more CB's other than EX,EQ,TU that keep credit info the names however slip me right now but it's always a good idea to pull those reports and freeze them 

Edit to add welcome to the forum

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As long as you freeze the big 3 its fine. No one cares about the others or makes a decision based solely on what they report.. 

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Oh no pls don't believe that Chase for example has been known to peak at them 

[Anonymous]

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@Anonymous wrote:

As long as you freeze the big 3 its fine. No one cares about the others or makes a decision based solely on what they report.. 

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That's not true; US Bank and FNBO are notorious for denying people based on info they get from IDA (now SageStream) and/or ARS. If I'm not mistaken, ARS keeps a list of every INQ made for a Visa or Mastercard regardless of what other bureau was pulled - they keep them all. And as far as I know, they never remove them. So if you have say 5 INQ on each bureau (TU, EQ, and EX) then there is a good chance that your ARS report shows all 15 INQ. You'd be surprised at how many creditors look at these reports.

[Anonymous]

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@Anonymous wrote:

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No one cares about the others or makes a decision based solely on what they report.. 

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 Except that's exactly what happend and prompted this post.  Cap One says Innovis has a fruad-alert.  None of the big 3 do.  They're pretty much squeaky clean.

[WLRK11]

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@Anonymous wrote:

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@Anonymous wrote:

As long as you freeze the big 3 its fine. No one cares about the others or makes a decision based solely on what they report.. 

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That's not true; US Bank and FNBO are notorious for denying people based on info they get from IDA (now SageStream) and/or ARS. If I'm not mistaken, ARS keeps a list of every INQ made for a Visa or Mastercard regardless of what other bureau was pulled - they keep them all. And as far as I know, they never remove them. So if you have say 5 INQ on each bureau (TU, EQ, and EX) then there is a good chance that your ARS report shows all 15 INQ. You'd be surprised at how many creditors look at these reports.

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Where can we find a sample report? Do the IDA and ARS reports show inquiries (e.g. Who's pulled IDA and ARS?) I've never heard of these CRAs until now. 

[Broke_Triathlete]

You can freeze the following data miners...

ARS

LexisNexis

IDA/Sagestream

Innovis

I've frozen all 4 and got approved for a local credit union and discover while they were frozen. So far it hasn't inhibited new credit. 

[Anonymous]

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@WLRK11 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

As long as you freeze the big 3 its fine. No one cares about the others or makes a decision based solely on what they report.. 

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That's not true; US Bank and FNBO are notorious for denying people based on info they get from IDA (now SageStream) and/or ARS. If I'm not mistaken, ARS keeps a list of every INQ made for a Visa or Mastercard regardless of what other bureau was pulled - they keep them all. And as far as I know, they never remove them. So if you have say 5 INQ on each bureau (TU, EQ, and EX) then there is a good chance that your ARS report shows all 15 INQ. You'd be surprised at how many creditors look at these reports.

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Where can we find a sample report? Do the IDA and ARS reports show inquiries (e.g. Who's pulled IDA and ARS?) I've never heard of these CRAs until now. 

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I've never seen a report myself, but I can tell you that the only reason I found out about ARS is because they sent me a letter a few months ago saying that 9 lenders have requested a copy of my report from them - that's when I began researching them. I can only assume that they do keep track of who views our reports, especially if they were aware that 9 requested mine.