topic Re: My SageStream Credit Optics score is awful, hows yours? in General Credit Topics

My SageStream Credit Optics score is awful, hows yours?

Anonymous — Thu, 28 May 2020 19:52:59 GMT

So I ordered my SageStream score last month and it finally got here on Tuesday. Normally I like seeing the number 303 (original Denver area code) but not so much here.

Needless to say, I ordered my full report. That will probably be here late next month.

I am curious what they mean by "when the consumer's SSN was issued" because it was issued when I was born in 84.

I already knew that this score doesn't like phone number changes so that doesn't surprise me - I have had multiple cell numbers over the years because it was easier to just get a new number than try to port out. My Google Voice has always been the number I gave everyone so it never mattered what my cell number was. Last time it was changed was 9/2017.

Has anyone else recently ordered this score? It is crazy how low this score is...

Re: My SageStream Credit Optics score is awful, hows yours?

CYBERSAM — Thu, 28 May 2020 21:31:10 GMT

😨🤔!

I'm sure they are going to get bunch of inquires about their services and scores very soon!

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Thu, 28 May 2020 21:44:47 GMT

@CYBERSAM wrote:
😨🤔!
I'm sure they are going to get bunch of inquires about their services and scores very soon!

I only pulled it because I want to pretty myself up for US Bank by October and they're a well-known SS puller (Disco and Apple Card use it too). That score is lower than I thought it would be so now I have to investigate further. Two US Bank denials, I want to make sure I get it this time.

Re: My SageStream Credit Optics score is awful, hows yours?

M_Smart007 — Thu, 28 May 2020 22:13:04 GMT

I put on ice and opted out before Cash+ and Gold checking.

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Thu, 28 May 2020 22:51:24 GMT

@Anonymous wrote:
... I am curious what they mean by "when the consumer's SSN was issued" because it was issued when I was born in 84 ...

Apparently that was not a very good year for credit-worthiness. Thanks for the DP!

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Thu, 28 May 2020 22:58:16 GMT

@M_Smart007 wrote:
I put on ice and opted out before Cash+ and Gold checking.

Yeah I thought about doing that but I have read mixed DPs about it being successful or being the reason for declines. I don't have anything to hide so I don't really care as long as the info is accurate. It's not like I've been bad with the credit seeking lately. One account since October last year and not so much as an inquiry besides that new account. If 0/6, 1/12, and a Gold Checking isn't enough, meh.

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Thu, 28 May 2020 23:03:26 GMT

@Anonymous wrote:
@Anonymous wrote:
... I am curious what they mean by "when the consumer's SSN was issued" because it was issued when I was born in 84 ...
Apparently that was not a very good year for credit-worthiness. Thanks for the DP!

I mean many people my age had to file for BK because of the Great Recession and never fully recovered so it's certainly possible.

Re: My SageStream Credit Optics score is awful, hows yours?

K-in-Boston — Fri, 29 May 2020 01:49:27 GMT

Okay using the date that the SSN was issued seems to be seriously problematic when it comes to discrimination. For those of us born outside of the US, we didn't get an SSN issued at birth. And if they have the DOB to compare with, that can easily allow them to segment non-native-born people.

The more I learn about these other credit reporting agencies the less I like.

I didn't get a score with mine when I ordered my SS reports, but it seemed to be quite similar to the big 3. When I got LN, though, I had 40 pages of caution about an address I had when I was 16 possibly being a mailstop location. That's correct since it was a Mailboxes, Etc., but just strange that several decades later an address I only used briefly when I was 16 is like half of the report.

Re: My SageStream Credit Optics score is awful, hows yours?

19eighty5 — Fri, 29 May 2020 03:30:24 GMT

I also ordered my SS score and received my packet earlier this week... 318! Definitely not what I expected, but oh well!

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Fri, 29 May 2020 04:09:27 GMT

@K-in-Boston wrote:
Okay using the date that the SSN was issued seems to be seriously problematic when it comes to discrimination. For those of us born outside of the US, we didn't get an SSN issued at birth. And if they have the DOB to compare with, that can easily allow them to segment non-native-born people.

The more I learn about these other credit reporting agencies the less I like.

I didn't get a score with mine when I ordered my SS reports, but it seemed to be quite similar to the big 3. When I got LN, though, I had 40 pages of caution about an address I had when I was 16 possibly being a mailstop location. That's correct since it was a Mailboxes, Etc., but just strange that several decades later an address I only used briefly when I was 16 is like half of the report.

Yep I had the same thought about discrimination based on the date and I don't know how these companies get away with blatantly discriminating against people. The fact that it's number 3 out of 5 reason codes means it's having a significant scoring impact, costing me more than my inquiries are, and it just seems totally ridiculous to me that they actually put age discrimination right into their score.

I definitely don't like any of them but as long as their information is accurate, I don't fuss too much. This is the first time I've seen something infer that my age is costing me points for something though outside of insurance factors where being a male under 30 used to really hit me in the wallet and I'm not really happy about that.

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Fri, 29 May 2020 04:11:47 GMT

@19eighty5 wrote:
I also ordered my SS score and received my packet earlier this week... 318! Definitely not what I expected, but oh well!

What were your reason codes?

I have never heard of someone with a SS score on the high end. I think the highest I've personally seen someone report was in the 400s but I doubt most people are even checking SS since it's not a very common reason for denial.

Re: My SageStream Credit Optics score is awful, hows yours?

Remedios — Fri, 29 May 2020 14:07:54 GMT

I ordered mine last night, so July, right?

I did not have SS till I was 20, so that should be interesting.

With that said, I dont think we really know what that means. Considering that age discrimination is strictly prohibited, I doubt they would spell it out like that, but stranger things have happened 🤷‍♀️

I dont care either way, because whatever is on it didn't prevent me from getting two cards and a loan from US Bank, but I needed something to stress about.

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Fri, 29 May 2020 16:48:39 GMT

@Remedios wrote:
I ordered mine last night, so July, right?
I did not have SS till I was 20, so that should be interesting.

With that said, I dont think we really know what that means. Considering that age discrimination is strictly prohibited, I doubt they would spell it out like that, but stranger things have happened 🤷‍♀️

I dont care either way, because whatever is on it didn't prevent me from getting two cards and a loan from US Bank, but I needed something to stress about.

Yeah that's why I decided to pull the report is to find out what the SSN thing is. If they have some error in their data that it was issued some time after my birth, I'll want to get it fixed. If it actually shows my birth date, I can't think of any other reason than age discrimination honestly. And insurance companies are allowed to discriminate based on age (I can't tell you how many times I got the "you're a male under the age of 30" nonsense when I asked why my rates went up again despite perfect history) so I'm sure there is a way for credit reporting to do so too. These third party CRAs aren't really regulated much at all.

I don't really think I'm going to have a problem securing a US Bank approval this time around but I meant to pull SS when I pulled Innovis and LN earlier this year and totally spaced it. So far these reports have all been accurate enough (LN had some misspelled names and funky address forms but nothing big and Innovis had no errors) so I hope SS isn't too much trouble.

Re: My SageStream Credit Optics score is awful, hows yours?

Remedios — Fri, 29 May 2020 18:43:09 GMT

Well, mine was issued 20 years after I was born because I wasn't born or lived in USA.

If anyone wants to call me too young in writing, I'll frame it and put it on my wall.

Or, I'll print it and show it to my back when it starts hurting simply because I slept "wrong".

Re: My SageStream Credit Optics score is awful, hows yours?

calyx — Fri, 29 May 2020 20:03:30 GMT

I'm older than Saeren, and I *was* born in the US but my SSN was issued years after him when I needed to apply for benefits (entertainingly the location doesn't match where I was born, either, which some people take issue with). I'd hate to think the date an arbitrary ID number is assigned to you determines anything re: your creditworthiness.

Re: My SageStream Credit Optics score is awful, hows yours?

Remedios — Fri, 29 May 2020 20:38:02 GMT

Dang @calyx , are you telling me you didnt need to apply for anything as an infant?

How many three month old babies dont drive???

Slacker

Re: My SageStream Credit Optics score is awful, hows yours?

calyx — Fri, 29 May 2020 21:47:50 GMT

@Remedios wrote:
Dang @calyx , are you telling me you didnt need to apply for anything as an infant?

How many three month old babies dont drive???
Slacker

@Remedios - I preferred to drive without a license until my teenage years. Gotta stay off "the man's" radar.

I do get to shake my cane at people, which is fun. "Your social wasn't issued when/where you were born?"
LISTEN SONNY, BACK IN MY DAY, WE WERE BORN AND LIVED FREE, UNLIKE YOU YOUNGSTERS TAGGED AT BIRTH.

Re: My SageStream Credit Optics score is awful, hows yours?

Remedios — Fri, 29 May 2020 21:56:39 GMT

@calyx wrote:
@Remedios wrote:
Dang @calyx , are you telling me you didnt need to apply for anything as an infant?

How many three month old babies dont drive???
Slacker
@Remedios - I preferred to drive without a license until my teenage years. Gotta stay off "the man's" radar.

I do get to shake my cane at people, which is fun. "Your social wasn't issued when/where you were born?"
LISTEN SONNY, BACK IN MY DAY, WE WERE BORN AND LIVED FREE, UNLIKE YOU YOUNGSTERS TAGGED AT BIRTH.

Ain't that the truth 😂

Back in the day, we stopped being stupid by the them youngins these days even start.

Re: My SageStream Credit Optics score is awful, hows yours?

Anonymous — Sat, 30 May 2020 03:22:53 GMT

I know SSN's that were issued after 2011 use a random methodology which can get you flagged in some systems.

https://www.ssa.gov/kc/SSAFactSheet--IssuingSSNs.pdf

Re: My SageStream Credit Optics score is awful, hows yours?

Thomas_Thumb — Sat, 30 May 2020 16:08:33 GMT

@Anonymous wrote:
So I ordered my SageStream score last month and it finally got here on Tuesday. Normally I like seeing the number 303 (original Denver area code) but not so much here. Needless to say, I ordered my full report. That will probably be here late next month.

I am curious what they mean by "when the consumer's SSN was issued" because it was issued when I was born in 84.

I already knew that this score doesn't like phone number changes so that doesn't surprise me - I have had multiple cell numbers over the years because it was easier to just get a new number than try to port out. My Google Voice has always been the number I gave everyone so it never mattered what my cell number was. Last time it was changed was 9/2017.

Has anyone else recently ordered this score? It is crazy how low this score is...

I received a SageStream report a couple years ago but, no score. I was 5 when I received a SSN. Not sure if that is good or bad.

I understand the SageStream scoring algorithm does not like phone # changes nor inquiries. Address changes are probably frowned upon as well. My last phone # and address changes were 15 years ago and I have no inquiries in the last 2 years. I should be good with these. However, I will get dinged for: Lack of recently established credit accounts, too few active accounts and too few installment loans. I ordered my score and report yesterday - curious where I will land. Hoping I make it above 650.

I have not been able to find any category ratings by score range for SageStream. There have been multiple posters with SageStream scores in the 600s that were rejected. One poster with a SageStream score of 654 (pasted below) and did get approved for credit. However, someone else with a claimed SageStream score of 805 and Fico scores of 840+ was rejected (also pasted below) - refer to link for additional info.

https://www.scamion.com/sagestream-llc-f4