Documented rule history
Active — last confirmed May 31, 2021Is the US Bank Frozen-report denial (US Bank) still active? On our documented record it is active, last confirmed May 31, 2021: Confirmed that US Bank will not pull an alternate bureau or accept a temporary PIN. We have 2 dated, sourced changes on record since 2016. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
May 31, 2021
Confirmed that US Bank will not pull an alternate bureau or accept a temporary PIN
Date reflects the reference page's update. Reports indicated the applicant must unfreeze the report themselves, and Doctor of Credit noted that freezing the ARS and SageStream reports had shifted from a recommended tactic to something that could make approval harder.
September 26, 2016
Automatic denials with a frozen ARS report first reported
Card investigation reps described automatic denials for applicants whose ARS report was frozen as a new policy; Doctor of Credit found the data points inconsistent and noted that a frozen report blocked reconsideration after a denial.
Questions
Yes — active on our documented record, as last confirmed May 31, 2021: Confirmed that US Bank will not pull an alternate bureau or accept a temporary PIN. Always verify before applying — issuers change unwritten rules without notice.
September 26, 2016: Automatic denials with a frozen ARS report first reported. Since then we have documented 2 changes, each dated and sourced on this page.
May 31, 2021 — Confirmed that US Bank will not pull an alternate bureau or accept a temporary PIN. Date reflects the reference page's update. Reports indicated the applicant must unfreeze the report themselves, and Doctor of Credit noted that freezing the ARS and SageStream reports had shifted from a recommended tactic to something that could make approval harder.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Bonus Eagle. “US Bank Frozen-report denial (US Bank) — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/us-bank/frozen-report-denial-us-bank
All US Bank rules: the full issuer page.
