win333 said:

ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911

Not sure who that is?

may be this

ICS stands for Issuers' Clearinghouse Service. The Visa U.S.A. Operating Regulations require Issuers to submit information on all consumer credit card applications to ICS. The service was developed at the request of Visa Issuing Members to help reduce card losses on applications. ICS is not a credit bureau, but is similar in some ways and is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA). It is a nationwide database that contains bankruptcy, and bankcard application activity, fraud, and questionable data information.

win333 said:
I must have applied for over 100 accounts in the last 6 month, my ICS report must be a mess.
I wonder what they will think about you and A.O.Rer in general
from the same website

... studies have shown that the most powerful predictor of such credit loss is application activity for a social security number (SSN). Accounts with SSN bankcard application activity greater than selected thresholds are significantly more likely to become bankrupt or charged off than accounts below those thresholds. The most telling SSN activity threshold is 6 or more applications within 90 days. As many as 75% of accounts that hit this threshold are likely to become bankrupt or charged off.

74ak said:win333 said:
I must have applied for over 100 accounts in the last 6 month, my ICS report must be a mess.
I wonder what they will think about you and A.O.Rer in general
from the same website

... studies have shown that the most powerful predictor of such credit loss is application activity for a social security number (SSN). Accounts with SSN bankcard application activity greater than selected thresholds are significantly more likely to become bankrupt or charged off than accounts below those thresholds. The most telling SSN activity threshold is 6 or more applications within 90 days. As many as 75% of accounts that hit this threshold are likely to become bankrupt or charged off.

6 in 90 days is why they get charged off or BK, 30 in 90 days is an AORer. 100 in 6 months, is well (unclassified as of yet)

swishyx said:I think ICS is the outfit that tracks (1) how many apps you've put in (Visa/MC only) as well as whether you were approved or declined. I got a decline (that was inaccurate) deleted from there once. BofA used the report and reported to it.

I wonder if we can have those entries (investigated) and removed.

I think I disputed SO many EQ INQs that they have blocked my address from changing to my current address. I disputed 3 of my mortgages once and now they no longer update (long story).

I know most people are scared to death to dispute an INQ, but when I see CBUSA/CB on my credit report I HAVE NO PROBLEM SAYING IT'S NOT MINE!!!

Also if I apply for a juny card and barclays pulls my report I have no problem saying it's not mine!

EDIT: people who own multiple businesses must have away around this.

win333 said:
I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account.

ICS may be a bit harder to dispute. I can request a free report by faxing your docs, then wait for them to mail it to you, ... no fast and easy way to dispute or b* off inqs like with EQ

swishyx, did you dispute inqs with ICS? please share the details of the process

tolamapS said:win333 said:Letters in the mail today from Associates bank, EQ frozen please unfreeze within 30 days. (my screw up darn it!)

It says they tried EQ, just 1 more way to tell who a creditor will pull. Some creditors tell you to unfreeze all 3.

Letter from Cambridge trust biz visa, ****approved 7,500**** we'll send your card to your biz address. ELAN FIN.

Principal bank, decline **to many INQs***

ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911

Not sure who that is?

You should request your report from this guys. I got mine about 10 months ago, and it looks very interesting. They record every application for Master Card or Visa, sometimes even including credit increase requests. I would say that not every issuer reports the inquiries to ICS, but this is the issuers way of tracking a bit more info.

Inquiries stay only for 12 months, supposedly. I am waiting until June to get another copy of my report to check what kind of damage I have got to deal with

I'll request my report monday and see if it only holds so many INQs like EQ. Since I've applied for 100+ accounts, I should be able to see if the system has a limit.

I wonder if it's possible to freeze ICS/Advanced Resolution Services?

win333 said:swishyx said:I wonder if it's possible to freeze ICS/Advanced Resolution Services?

LOL! I'll ask.

That's an excellent point, swishyx. It's not because of the kindness of their hearts that EX, TU, and EQ allow freezing. State laws mandate that the CRAs provide mechanisms for individuals to freeze, and special consideration is given to identity theft victims.