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Sync denial pulled sagestream only!!?

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Valued Contributor

Sync denial pulled sagestream only!!?

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...
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
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Community Leader
Mega Contributor

Re: Sync denial pulled sagestream only!!?

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.







Message 2 of 4
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Community Leader
Super Contributor

Re: Sync denial pulled sagestream only!!?


@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.



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 3 of 4
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Valued Contributor

Re: Sync denial pulled sagestream only!!?


 

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. 


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Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
1-1-17 -
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL
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