myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

IDA is frozen...can I still get an AMEX?

tag
Get Access Now
CreditCuriosity
Moderator Emeritus
‎01-10-2015 02:07 PM
‎01-10-2015 02:07 PM

Re: IDA is frozen...can I still get an AMEX?

Sure sending PM now

Message 11 of 26
0 Kudos
Anonymous
Not applicable
‎01-10-2015 02:07 PM
‎01-10-2015 02:07 PM

Re: IDA is frozen...can I still get an AMEX?

@CreditCuriousity wrote:

Sure sending PM now

Beat ya to it.

Message 12 of 26
0 Kudos
CreditCuriosity
Moderator Emeritus
‎01-10-2015 02:08 PM
‎01-10-2015 02:08 PM

Re: IDA is frozen...can I still get an AMEX?

@Anonymous wrote:
@CreditCuriousity wrote:

Sure sending PM now

Beat ya to it.

Get the other two to him?

Message 13 of 26
0 Kudos
chalupaman
Super Contributor
‎01-10-2015 02:13 PM
‎01-10-2015 02:13 PM

Re: IDA is frozen...can I still get an AMEX?

Um yes. They've never used any of those reports for me when making a decision.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 14 of 26
0 Kudos
chalupaman
Super Contributor
‎01-10-2015 02:13 PM
‎01-10-2015 02:13 PM

Re: IDA is frozen...can I still get an AMEX?

@Anonymous wrote:

Before I came to these boards, I only knew IDA as a girls name.  No idea they were a CRA as well

And now they've renamed themselves SageStream.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 15 of 26
Anonymous
Not applicable
‎01-10-2015 02:18 PM
‎01-10-2015 02:18 PM

Re: IDA is frozen...can I still get an AMEX?

@chalupaman wrote:
@Anonymous wrote:

Before I came to these boards, I only knew IDA as a girls name.  No idea they were a CRA as well

And now they've renamed themselves SageStream.

@Anonymous they have... Those @#$$#$$.  It seems every bank uses them.  I read somewhere a  guy had all his chase accounts closed based on information from an IDA report. 

Message 16 of 26
0 Kudos
CreditCuriosity
Moderator Emeritus
‎01-10-2015 02:33 PM
‎01-10-2015 02:33 PM

Re: IDA is frozen...can I still get an AMEX?

Kinda funny these bureaus really don't want the consumer to know they exists being the non main ones.. Thus you really don't hear about them unless you really know credit...  They are pro-lender anti consumer.

Message 17 of 26
0 Kudos
taxi818
Super Contributor
‎01-10-2015 05:07 PM
‎01-10-2015 05:07 PM

Re: IDA is frozen...can I still get an AMEX?

@Anonymous wrote:
@Involver wrote:
Yes

Ditto.

 

This CRA serves no purpose other than to confuse.

 it has a purpose for some banks. fnbo. i beleive and us bank. will look at it for inquiries. reqardless of others. freeze it. it does not cost any thing. 

Message 18 of 26
Anonymous
Not applicable
‎01-10-2015 05:13 PM
‎01-10-2015 05:13 PM

Re: IDA is frozen...can I still get an AMEX?

Has anyone ever sent away for their IDA report?  Wonder how it compares to the normal 3

Message 19 of 26
0 Kudos
Anonymous
Not applicable
‎01-10-2015 07:10 PM
‎01-10-2015 07:10 PM

Re: IDA is frozen...can I still get an AMEX?

@taxi818 wrote:
@Anonymous wrote:
@Involver wrote:
Yes

Ditto.

 

This CRA serves no purpose other than to confuse.

 it has a purpose for some banks. fnbo. i beleive and us bank. will look at it for inquiries. reqardless of others. freeze it. it does not cost any thing. 

Like I said.

 

All they do is muck up an otherwise good profile.

Message 20 of 26
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.