topic Re: Sync denial pulled sagestream only!!? in Credit Card Applications

Sync denial pulled sagestream only!!?

fltireguy — Tue, 23 Oct 2018 02:33:45 GMT

Append a week ago for a card backed by Sync.. (ok so I was bored...). Never saw a HP on any of the normal CRA's, but it was an Insta-decline. Got the letter in the mail today. They pulled SAGESTREAM, and them only according to the letter. Strange score, that didn't match any of the normal FICO models . Denial reasons were Inq., and also some line to the effect that my SSN issue date was different than my peers. Guess I need to call SS and maybe put them in ice as well. Very very odd...

Re: Sync denial pulled sagestream only!!?

Brian_Earl_Spilner — Tue, 23 Oct 2018 02:44:35 GMT

Sagestream has their own scoring model called Credit Optics where the score can range from 1-999. Not sure what their ranges are as 3-400 is considered very good, so I don't know how you could get a 999.

Re: Sync denial pulled sagestream only!!?

coldfusion — Tue, 23 Oct 2018 12:20:26 GMT

@fltireguy wrote:
Append a week ago for a card backed by Sync.. (ok so I was bored...). Never saw a HP on any of the normal CRA's, but it was an Insta-decline. Got the letter in the mail today. They pulled SAGESTREAM, and them only according to the letter. Strange score, that didn't match any of the normal FICO models . Denial reasons were Inq., and also some line to the effect that my SSN issue date was different than my peers. Guess I need to call SS and maybe put them in ice as well. Very very odd...

Freezing your Sagestream report is tantamount to treating a symptom without trying to identify and address the disease. You need to find out the root problem, as Sagestream regurgitates information gleamed from elsewhere. BTDT.

Send Sagestream a written request for a copy of your credit report, and while you're at it also send written requests to Innovis to get a copy of their credit report AND to LexisNexis to get a copy of your consumer file and read through them all carefully looking for discrepancies.

Re: Sync denial pulled sagestream only!!?

spiritcraft1 — Mon, 29 Oct 2018 21:32:16 GMT

Send Sagestream a written request for a copy of your credit report, and while you're at it also send written requests to Innovis to get a copy of their credit report AND to LexisNexis to get a copy of your consumer file and read through them all carefully looking for discrepancies.

Hijacking the thread...

I have ordered Sagestream, LexisNexis and Innovis reports. I am having a very hard time being identified and have a few unfortunate CU membership denials due to that. (I have a Clean ChexSystems)

I have the Innovis report already and it listed many wrong and mis-spelled addresses and did not list my current address of 5 years.