Actually ARS belongs to Visa and basically will be pulled for any application to a Visa card. I have tons of inquiries on it from Chase, US Bank, Barclays, Comenity, Capital One.
It's a Visa thing but US Bank specifically uses it for underwriting purposes but I haven't seen any other major issuer denying people based on it.
I think it's just a database of a consumer history applying for Visa network card.
Congrats on your approval and nice SL !!!
Congrats on your approval!
Congratulations and thanks for the info!!!
Congrats, the bureau is ARS (Advanced Resolution Services) instead of ADS. For me both that and SageStream have been frozen for good.
Turns out not only USBank use these. Discover has pulled my SageStream and Chase pulls ARS.
Thank you. Now that I know these CRAs exist, I’m freezing them. Whoop whoop!