PSA: Synchrony and Disco pull Innovis through SageStream

[AllZero]

Thanks for the tip!

[Anonymous]

Years ago I read about them so I ordered my reports and was totally confused. iirc the paper reports for one of them (maybe Innovis) had both branding on it so I could not tell if it was my Innovis or Sagestream report. I ended giving up, freezing both and never looked back since. Its probably time for me to order a fresh round of reports.

[Gmood1]

I have both permanently frozen as well. With no urge to unfreeze either.

Been that way for several years now.

I was still able to obtain several US bank tradelines.

Synchrony bank, no major issues obtaining their CCs by freezing those reports.

Maybe that's why I have to call in for verification when I do app for one of their CCs now..who knows.

[Anonymous]

I would rather just get the info and make sure it's accurate. With my income, if the credit card companies feel better seeing more info about me, I don't mind as long as that info is accurate. 

[Gmood1]

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@Anonymous wrote:

I would rather just get the info and make sure it's accurate. With my income, if the credit card companies feel better seeing more info about me, I don't mind as long as that info is accurate. 

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If they can't figure out what they need to know about me, from the 300 plus pages the 3 major credit bureaus have on me. I don't want or need their business anyway.😉

[Anonymous]

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@Gmood1 wrote:

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@Anonymous wrote:

I would rather just get the info and make sure it's accurate. With my income, if the credit card companies feel better seeing more info about me, I don't mind as long as that info is accurate. 

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If they can't figure out what they need to know about me, from the 300 plus pages the 3 major credit bureaus have on me. I don't want or need their business anyway.😉

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Yeah well I still want US Bank and since they got burned in my BK in 2010, I want to make sure that they have all the info they need. I mean I even stopped adding new accounts.

[Gmood1]

The Secondary reports US bank pulls is mainly for the checking account.

The credit cards can be obtained without them.

Once the CC is obtained. They'll allow the checking account to be opened.

They blocked me from the checking because I have Sagestream frozen.

But after a couple of months with CC.

I was able to open the checking account online without any issues.

[Anonymous]

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@Gmood1 wrote:

The Secondary reports US bank pulls is mainly for the checking account.

The credit cards can be obtained without them.

Once the CC is obtained. They'll allow the checking account to be opened.

They blocked me from the checking because I have Sagestream frozen.

But after a couple of months with CC.

I was able to open the checking account online without any issues.

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People have been declined for cards for freezing ARS and SageStream. People have been declined because of info on those reports. It seems to go back and forth.

I would rather not fuss with it. You can't even order ARS without sending them a letter with your identification, much less freeze it. 

[Gmood1]

Never heard of some one being declined by US bank for freezing those reports.

I have four open tradelines with US bank.

All of them were obtained with those two CRs frozen.

I've been declined multiple times over the last three years. None of them were because of those reports.

Was this recent? I obtained the majority of mine last year.

It only takes a few minutes to fax the information over needed to freeze the report. I used Faxzero to do it over my computer.

[Anonymous]

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@Gmood1 wrote:

Never heard of some one being declined by US bank for freezing those reports.

I have four open tradelines with US bank.

All of them were obtained with those two CRs frozen.

I've been declined multiple times over the last three years. None of them were because of those reports.

Was this recent? I obtained the majority of mine last year.

It only takes a few minutes to fax the information over needed to freeze the report. I used Faxzero to do it over my computer.

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There were some reports of it in 2018 on DoC. 

https://www.doctorofcredit.com/two-credit-bureaus-you-should-freeze-before-you-apply-for-a-u-s-bank-...

I swear there are more but that site is annoying to search through since they make new posts instead of updating old ones. 

I haven't had great luck with those eFax type services. I used one to submit documentation to BECU and I had to re-fax things that it gave me confirmations for. 

It's fine. If US Bank says no a third time, I'll write them off for good but either way I'm not doing heavy amounts of credit seeking these days because my reports are going to be clean and I like seeing that 780 I have on TU. I have made it my mission to break into 800s before the year is out if I can.