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Synchrony is DOUBLE PULLING__ TU and EX + SageStream/Innovis

CreditCuriosity
Moderator

Re: Synchrony is DOUBLE PULLING__ TU and EX

double and triple pulls as eluded to by others are becoming the normal for Sync now along with a pull on sagestream..  few months back denied a card with them due to sagestream froozen.. Don't even have that PIN anymore was a loss of a TU HP for that experience as all my majors were unfroozen..

Message 11 of 32
GApeachy
Super Contributor

Re: Synchrony is DOUBLE PULLING__ TU and EX

I'll add a few dp's:

(all approvals)

1. 1Travel dc  Jan 2020: hp'd Sagestream and TU

2. TJX dc   Feb 2020: hp'd Sagestream and TU

3. Ebay mc  Aug 2020: hp'd Sagestream and TU

4. Venmo vs  Feb 2021: hp'd Sagestream and TU

 

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.

"My Take Home Pay Don't Take Me Home"
Message 12 of 32
James_A
Valued Contributor

Re: Synchrony is DOUBLE PULLING__ TU and EX


@GApeachy wrote:

I'll add a few dp's:

(all approvals)

1. 1Travel  dcJan 2020: hp'd Sagestream and TU

2. TJX dc Feb 2020: hp'd Sagestream and TU

3. Ebay mc Aug 2020: hp'd Sagestream and TU

4. Venmo vs Feb 2021: hp'd Sagestream and TU

 

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.


You've been a busy peach. Smiley Wink

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


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Message 13 of 32
GApeachy
Super Contributor

Re: Synchrony is DOUBLE PULLING__ TU and EX


@James_A wrote:

@GApeachy wrote:

I'll add a few dp's:

(all approvals)

1. 1Travel  dcJan 2020: hp'd Sagestream and TU

2. TJX dc Feb 2020: hp'd Sagestream and TU

3. Ebay mc Aug 2020: hp'd Sagestream and TU

4. Venmo vs Feb 2021: hp'd Sagestream and TU

 

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.


You've been a busy peach. Smiley Wink


Well it's a sicknessSmiley LOL

 

"My Take Home Pay Don't Take Me Home"
Message 14 of 32
AverageJoesCredit
Community Leader
Mega Contributor

Re: Synchrony is DOUBLE PULLING__ TU and EX

No clue about my Sagestream etc, but im so glad i got all my Sync cards when they were a simple TU puller lol. I did get pulled once on Experian on a cli attempt years ago which was wild but now they want multiple bureaus  and secondary agencies. Cray craySmiley Wink

Message 15 of 32
GApeachy
Super Contributor

Re: Synchrony is DOUBLE PULLING__ TU and EX


@AverageJoesCredit wrote:

No clue about my Sagestream etc, but im so glad i got all my Sync cards when they were a simple TU puller lol. I did get pulled once on Experian on a cli attempt years ago which was wild but now they want multiple bureaus  and secondary agencies. Cray craySmiley Wink


Order you a report.  I just got mine a few days ago.  Guess what?  They had my bday in 1919, **bleep**, really?  It's a good thing to check.  I'm really surprised I was approved being a centurion and all..jeez.

"My Take Home Pay Don't Take Me Home"
Message 16 of 32
toi34
Established Contributor

Synchrony= SageStream->Innovis + TU and EX

I'm not sure if this has been clarified or not, but I want to save you unnecessary wasted hard pulls. 

Sagestream pulls from Innovis, so if your Innovis is frozen Sagetream won't be able to provide info to Synchrony, Comenity, or other creditors. 

 

Sagestream and Innovis are two separate companies (I thought they were one in the same but name-changed again. Remember IDA?)

 

Synchrony customer service was nice enough to rescind the hard inqs from EX. I'm still working on TU.

 

The long and short of it is...before you app for Amazon+: call to unlock Innovis, call to unlock Sagstream, unlock TU and unlock EX.

Message 17 of 32
AverageJoesCredit
Community Leader
Mega Contributor

Re: Synchrony= SageStream->Innovis + TU and EX


@toi34 wrote:

I'm not sure if this has been clarified or not, but I want to save you unnecessary wasted hard pulls. 

Sagestream pulls from Innovis, so if your Innovis is frozen Sagetream won't be able to provide info to Synchrony, Comenity, or other creditors. 

 

Sagestream and Innovis are two separate companies (I thought they were one in the same but name-changed again. Remember IDA?)

 

Synchrony customer service was nice enough to rescind the hard inqs from EX. I'm still working on TU.

 

The long and short of it is...before you app for Amazon+: call to unlock Innovis, call to unlock Sagstream, unlock TU and unlock EX.


What's Amazon + ?

Message 18 of 32
Birdman7
Super Contributor

Re: Synchrony= SageStream->Innovis + TU and EX

I thought TransUnion owned Sagestream? And I also thought they kept their own records in addition to pulling from multiple alternative bureaus?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 19 of 32
coldfusion
Community Leader
Super Contributor

Re: Synchrony= SageStream->Innovis + TU and EX



@Birdman7 wrote:
I thought TransUnion owned Sagestream? And I also thought they kept their own records in addition to pulling from multiple alternative bureaus?

Sagestream has historically used Lexis Nexis as a data source and was purchased by Lexis Nexis maybe a year or so ago.

 

 

 

 



(2/2021)
FICO 8 (EX) 812 (TU) 816 (EQ) 804
FICO 9 (EX) 825 (TU) 827 (EQ) 826

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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 20 of 32
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