I would like to know the answer too. Anyone here know what is the answer. I'll do some investigation and get back to you if I discover an answer. You should email the people at Discover Card as they probably could give you help..

I guess the main point of this topic is which CRAs among the hundreds will cause bad Discover card action. It has been established that when people have received the bad letter from a Discover card issuer, the CRAs listed have been ARS, Lakeside/LIR, IDA, TU, EQ, and EX. I'm trying to see if anyone out there has has had any other CRA listed besides these 6..

Why is this useful? Let's say you do some B* on EQ and TU. If you then freeze out ARS, Lakeside/LIR, IDA, and EX, then you can apply for a lot of credit cards and be confident the decision will be based on EQ and TU only..

I understand existing creditors can pull softs despite a security freeze, but that is something to be dealt with after you are granted credit. It is better to get the foot in the door first with TU or EQ..

This post has been edited by creditmonitor2010: 18 January 2010 - 03:48 PM..

In my humble opinion, IDA is far more likely to be an obstacle to the consumer obtaining credit than a helpful tool. At least the big 3 have websites where the consumer can very quickly obtain their reports or freeze their file. With IDA, information on them is buried, and they want a ridiculous amount of information by mail before even providing a report. I will change my opinion if IDA sets up a website where the consumer can quickly obtain their report or put a security freeze on. Right now, IDA is not consumer friendly, and I look forward to putting a security freeze on them...

I guess your not understanding..ARS and IDA are not credit reporting agencies like TRU XPN and EFX. no issuer is going to base a credit descion solely on one of these reports coming from ARS and IDA. They dont report that kind of data. Neither one of them provide the information the issuer needs to make a credit descion. also, I dont think you can can "freeze them". I will have to check into that...

I have never seen anybody get denied for Innovis on any Discover card application.

No down-side to FREEZE them.

This post has been edited by GEORGE: 18 January 2010 - 04:34 PM..

Honestjoe either doesn't know what he is talking about or is a liar. I bet he works for a CRA..

"Visa offers this service through Advanced Resolution Services, Inc., a credit reporting agency and wholly owned subsidiary of Visa Inc.".

"This company is a consumer reporting agency that serves as the liaison between consumers and the Issuers' Clearinghouse Service (ICS)..

ICS is a service designed to detect fraudulent and high-risk Discover card applications that is separately provided by Visa and Discover Card to different financial institutions. The service validates and tracks addresses, phone numbers and Social Security numbers used in credit applications and in reports of fraudulent activity.

Visa-related ICS reports are provided by Advanced Resolution Services, Inc. (ARS).

Mastercard-related ICS reports are provided by Lakeside Information Resources (LIR)".

"Issuers' Clearinghouse Service (ICS) is a consumer reporting agency.".

Http://www.visaicsdirect.com/.

"IDA, Inc. is ID Analytics' wholly-owned subsidiary that issues consumer reports.".

"If you previously placed a security freeze with Advanced Resolution Services, Inc. and wish to have it removed, or wish to re-apply a security freeze".

Http://www.ars-consu...ityfreeze.faces.

"If you previously placed a security freeze with Lakeside Information Resources and wish to have it removed, or to re-apply a security freeze".

Http://www.lir-consu...ityfreeze.faces.

They are all CRAs: ARS, LIR, IDA. Lots of people have suffered bad credit actions solely based on ARS, LIR, IDA, and they have the letters that prove it. I say freeze them all under state law..

This post has been edited by creditmonitor2010: 18 January 2010 - 04:56 PM..

So you have come to the conlusion, in all your research, that info means that ARS and IDA report data like tradelines, fico, inquirys, trade history, ect. and an issuer will soley use one of them to determine credit worthyness and credit risk. ROFL.

No I do not work for a credit reporting agency.. I wish..prob..

SO WHERE IS THE LINK FOR FIRST TIME FREEZE???.

"If you previously placed a security freeze with Advanced Resolution Services, Inc. and wish to have it removed, or wish to re-apply a security freeze".

Http://www.ars-consu...ityfreeze.faces.

"If you previously placed a security freeze with Lakeside Information Resources and wish to have it removed, or to re-apply a security freeze".

Http://www.lir-consu...ityfreeze.faces.

This post has been edited by GEORGE: 18 January 2010 - 05:11 PM..

You obviously have no idea what you are talking about. You don't even know what a consumer reporting agency is. Yet you spout false information about CRAs and even try to misquote me. Welcome to the ignore list. Why don't you be quiet and go away from this topic, you are not welcome here..

For those of you who want to read more about denials based solely or partially on ARS, LIR, IDA.

Http://creditboards....howtopic=239752.

Http://www.fatwallet.../finance/949393..

I see.. so what exactly makes you the expert then. Do you work for the lending industry. Do you have any professional experience with any of the organizations listed above. I highly doubt that you are since you have the time to monitor this website all day. Welcome to my your so misinformed it's sad list...

News flash...discover uses IDS to monitor current card holders. so what agenda drives those who claim that IDS does not matter? think about it...

Still have not seen any reports of applications for a Discover card being DENIED because they pulled Innovis.

But what do I know...I'm just an idiot..

Thank you for bringing up Innovis IDS. Nice convenient security freeze option on the website, of course they will charge you a fee if you don't check the box. Freeze now, ask questions later.

Https://www.innovis.com/InnovisWeb/freezeRe...?subseqReq=true..

Its obvious that issuers are using these additional reporting agencies to screen for high risk behavior. so go ahead and freeze them and throw all types of red flags. I am sure the issuer will get an alert that the report is frozen and then you become a target and get put under the microscope. as for me, no thanks because the least amount of attention I get when applying for credit the better...

SO YOU GO BUY THE SIDE OF...IF YOU HAVE NOTHING TO HIDE.

I just don't think every time you have POOPY SQUIRTS it should be public knowledge.

THEN YOU ARE SAYING NEVER LATE MEANS NOTHING ON 50+ ACCOUNTS.

Why don't you just give them wide open access to your computer and all your files and all your Discover card account sign-on passwords too..

Freezing can be the result of legitimate problems like ID theft. so I doubt card issuers will go ape when they find they can't pull a consumer report. instead they will probably reject the application or ask the consumer to lift the freeze. freezing is portrayed by some people as a panacea when in fact freezing has consequences, such as opting the consumer out of pre-screened offers...

In this matter more like.. if you have something to hide then you might be guilty of something..

We all have choices and we are responsible for those choices. I choose not to play bull profanity removed credit games. I pay my bills and never bite off more than I can chew. so if my lender feels the need to check my unsecured credit activity or to make sure I am being a responsible consumer ..i say go ahead look all you want. after all it is their money..

This post has been edited by Stryker: 13 February 2010 - 10:48 AM.

Reason for edit: profanity removed; please review TOS...

WHY SHOULD THEY HAVE ACCESS TO EVERY LITTLE THING INCLUDING WHEN I LAST HAD POOPY SQUIRTS.

Never one single day late in 30+ years.

Why doesn't that mean anything???.

This post has been edited by Stryker: 13 February 2010 - 10:49 AM..

This post is not called for George. poopy squirts. ridiculous..

Economy is bad..unemployment is high..people losing jobs right and left..banks raising interest rates..business's going bankrupt, mortgages going bad..ect. ect. it's ruff out there for everyone..a good paying (with Discover card) customer like your self can easily take a turn for the worse bc of circumstances the are either in or out of your control...issuers are always going to protect their interest and do everything in their power to forsee potential risk. I get where your coming from though. it is frustrating. I wish banking and loans could be like it was in my grandfathers day...where business could be conducted on a more personal level.



This post has been edited by Stryker: 13 February 2010 - 10:50 AM..

WHY DO THEY NEED TO HAVE ACCESS TO EVERYTHING IN YOUR LIFE???.

What happened to fearing BIG BROTHER.

Now there some here that could care less what BIG BROTHER KNOWS...even encouraging it's existance.

(even saying that they don't care if they dig deep into their dirty laundry).

Sad part is...even if you have 100% clean laundry they still act like they need to look for some DIRT.

This post has been edited by GEORGE: 22 January 2010 - 02:30 PM..

Not sure if this is the same as IDA, Inc..

MyIDScore.com respects the right of consumers to exercise choice over how the PII they provide to us on our website is used. Consumers can opt€“out of the use of PII they provide by sending an email to myidscore-. Just put opt€“out in the subject line. In order to identify you and block use of your information, please provide your name, address, and phone number within the body of the email. Do not send us your SSN by email because email is not a secure form of communication..

Https://www.myidscor...vacyPolicy.jsps..

Lol, victim..that perspective is interesting..

I read the thread and they are confused..ida does not house the application history. from my understanding issuers use ida for mainly identification based risk. for example if someone uses your ssn and name to apply for a Discover credit card and fraudster uses an address and phn on the app that does not ver with their records to you or they have confirmed fraud activity on that add then that app will have a high risk score and the issuer will want to look into it further or turn it down for possible fraud..

This post has been edited by honestjoe: 02 February 2010 - 11:24 AM..

You have chosen to ignore all posts from: honestjoe.

I'm sure whatever he said is anti-consumer..

This post has been edited by hegemony: 02 February 2010 - 12:03 PM..

Wth is your problem.. you have some issues my friend. it's sad you discount information just because it is not skewed to your €œevery one is out to get us€? conspiracy views. you seem to be a very close minded individual (reeks conservative republican).

You think if you would want to be a smart consumer you would want a clear understanding of EVERYTHING€not just what is in your limited perspective. How can you make good decisions if you don€™t consider all the angles? I seriously hope people take what you have to say very lightly because you offer a very one sided and uninformed view...