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What’s up with ars.

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Snook_on_the_Line
Established Contributor

What’s up with ars.

So I've been pulling reports from smaller CRAs lately and checking them over for errors and potentially negative info 

 

I got my LexisNexis letter Friday, but the pin they sent to view my report was no good.   

so I decided I'd pull a different CRA and. One back to LN later

 

i decided on ARS

 

the gooberment's web site had this to say about them. 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 1 of 4
3 REPLIES 3
Snook_on_the_Line
Established Contributor

Re: What’s up with ars.

IMG_0225.png

 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 2 of 4
Snook_on_the_Line
Established Contributor

Re: What’s up with ars.

so I clicked on their linkIMG_0224.png

 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 3 of 4
Snook_on_the_Line
Established Contributor

Re: What’s up with ars.

??

this makes no sense to me at all

 

the purpose of a CRA is to collect data on consumers and provide it to third parties who have a legitimate need for it

 

Does this mean that since they are owned by visa they will be providing reports for lenders on visa applications only

 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 4 of 4
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