Sync denial pulled sagestream only!!?

[fltireguy]

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...

[Brian_Earl_Spilner]

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.

[coldfusion]

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@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...

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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.

[spiritcraft1]

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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.

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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.