Sage Stream is another CB like the "big three" and there are more..
Some are lesser known than others..
You can request your SS report & dispute an inaccuracies..
SageStream has its own data, and also uses its own proprietary credit scoring algorithm, which is based on a scale of 1-999.
Most creditors do not report to SageStream, and thus its database for scoring is not as complete as those of the big-3.
Both as to data used to generate the score and the algorithm, it is not comparable to a FICO score.
I am trying really hard to rebuild my credit and now I have another CRA to worry about? Any help or words of wisdom would be appreciated!
More than just one more CRA... There are LOTS of smaller CRAs out there.
Take a look at the CFPB list - it's not complete, but it does cover rather a lot of them:
Kathyups ... Sage Stream is another "pain in the neck" as there are way TOO MANY CB's and INFORMATION GATHERS!!! Spent some considerable time tracking many down and froze over ten of them!!! Yeah Even found a group that collects and reports on telephones etc ... GADS!
Kathyups here is sampling: ARS, Chex Systems, Equifax, Experian, Sage Stream (Formerly known as IDA), Innovis, LexisNexis, MIB, NCTUE, and Transunion (note two of these merged). There are more and places such as Early Warning Systems slides under the credit bureau standard and you cannot freeze them. As I find more I will freeze them. At one time I had identified 33 potentials but can't find my list, yet.