PSA: Synchrony and Disco pull Innovis through SageStream

[Anonymous]

So I ordered my Innovis credit report and I was looking it over and the only inquiries I have are from SageStream pulling for another creditor - 3 from Synchrony Bank (corresponding to my Payboo, CareCredit, and Marvel account openings), 1 from Disco, and 1 from Goldman Sachs. 

It looks like Innovis only keeps inquiries for a year so I can't say whether they pulled for PayPal 1/2019 or Amazon 12/2018. 

Also if you guys haven't pulled your Innovis report, you really should. Looking at how thorough this report is, we basically should say we have 4 CRAs now, not 3. My SSFCU, Rewards+, BCP, Cash Magnet, SavorOne, QS (now V1) and Apple Card are the only open accounts I have that aren't reporting to Innovis. 

[CreditCuriosity]

Innovis is certainly another CRA although not one of the major 3 nor provides scores that I am aware of and there are certainly more than just the 3+1 from innovis as other smaller ones exist as well.  I just keep the major 3 unfroozen personally when I apply and all the smaller ones I have control over froozen with exception of EWS as for some reason you can't freeze that which I think is BS, but that is another story and probably will change in time as they are better known and lawsuits probably will happen and be forced to offer freezes.

[Remedios]

@Anonymous  thank you for sharing this 

[Anonymous]

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@Remedios wrote:

@Anonymous  thank you for sharing this 

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No problem. It actually kind of shocked me to see that Synchrony uses SageStream. I had no clue. It seems like SageStream pulls end up pulling Innovis so like for US Bank apps, it would be important to make sure Innovis is clean. 

Fortunately I didn't find a single error so Innovis at least seems to be competent. 

[CreditCuriosity]

problem I have with smaller CRAs such as innovis they don't show your whole credit picture like the big 3 only certain accounts which skews your credit report/history as not all lenders report to them or other smaller CRA's...  Big fault is how i see it.

[Remedios]

Was there anything in your report that's not normally present on CR from the other three CRA?

If there is, might shed some light on recent closures 

I know that my sage stream report US Bank pulled had additional info such as professional licences number. 

I wasnt too happy about that. 

Shrug. 

[Anonymous]

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@CreditCuriosity wrote:

problem I have with smaller CRAs such as innovis they don't show your whole credit picture like the big 3 only certain accounts which skews your credit report/history as not all lenders report to them or other smaller CRA's...  Big fault is how i see it.

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Yeah but Innovis has quite a bit regardless so it's a good idea to pull it. And obviously over time they're going to have more accounts added anyway. 

I was a bit surprised to see NFCU and DCU report to them but Citi, AMEX, and Capital One don't. 

[Anonymous]

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@Remedios wrote:

Was there anything in your report that's not normally present on CR from the other three CRA?

If there is, might shed some light on recent closures 

I know that my sage stream report US Bank pulled had additional info such as professional licences number. 

I wasnt too happy about that. 

Shrug. 

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There's not anything on my Innovis that isn't on the others but I'm sure my SageStream will. I have to wait for them to approve my ID and snail me my SS report and in the meantime I've got my LN to go through. 

The big discovery for me was that Sync and Disco use SS. I wasn't going to pull the report until I saw that. 

[Anonymous]

Interesting, though we already know that Lenders pull more than just the majors when you app. It merely states that the a decision was made based in part/whole by "named" CRA. 

I don't mind relevant info being displayed, but we've all ready the stories about how much info is on some of these fringe reporting services. 

But sometimes too much info can be dangerous.

[Anonymous]

It's certainly concerning how much our data gets collected, catalogued, and sold/shared and the hoops we have to go through to find out what that data is. 

LexisNexis is buying ID Analytics (parent company of SageStream) so LN reports are about to get even more important. 

https://www.prnewswire.com/news-releases/lexisnexis-risk-solutions-announces-definitive-agreement-to...