My freeze-lift plan for two business apps a month apart — poke holes in it

Overview

I keep freezes on everything, including two specialty bureaus a lot of people have never heard of, so quick definitions first: SageStream is a specialty credit bureau (now owned by LexisNexis) that some card issuers check alongside the big three, mostly as an identity and velocity check. ARS is Advanced Resolution Services, another small bureau that comes up a lot in US Bank application threads. If either one is frozen when a bank checks it, the application can stall or die even with the big bur

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