It actually might be worth getting your Sage Stream credit report. It's bizarre and looks for things that don't appear on the others -- like accounts with utility companies and the like.
I was denied credit cards a few years ago from US Bank because these guys reported too many utility companies -- never mind that I moved around to 3 different states for my employer (and had properly terminated leases). By their cockeyed metrics, that fact alone severely dinged their version of a "credit score." They should really be outlawed (along with this others....) or at the very least, forced to comply with the truth in lending laws which require disclosure by lenders when a CRA hard-pulls a consumer report, resulting in denial. Somehow, they manage to avoid doing this. They must be classified in a manner which allows evasion of this requirement.
Anyhow, you can find them on the web, either under Innovis or Sage Stream (forgot which is their current incarnation) and obtain your file. You can also ask them to lock your report; that would only affect the (hopefully) small number of lenders that surreptitiously use Sage Stream. I suspect Marcus/Goldman Sachs uses them, as I was denied credit several times, with the explanation that my TU account was locked -- it wasn't but Sage Stream's was.
