06-10-2013 08:36 AM
Just wondering if I should freeze the above reports. I have heard that they don't help you out in any way when applying for cards at US Bank and some othes. I have read that people freeze them and apply the next day for a card and get approved.
Any information on this would be a great help.!
06-10-2013 08:56 AM
I plan on applying for an Elan(US Bank) card so I'll see In early July if it works. I was able to freeze Advanced Resolution Services pretty easily and quickly. I faxed the letter and in two days I received a letter confirming the freeze and providing the key to unfreeze it. The other two have not responded yet, so I will see how easy it is to do it with them. Although, if you haven't applied for a lot of cards you shouldn't need to freeze these places.
06-10-2013 09:19 AM
I see. Its free to freeze them, so there's no harm in doing it. Interestingly enough, Chase, Citi, FIA, and others also showed up as inquiries on there when I applied for cards from them. So it seems a lot of companies use it, but do not deny based on it.
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