Straight Talk denied me for Smart Pay financing leasing

[php111]

I was just denied the Smart Pay leasing option from Straight Talk due to the following companies if they was used: Just asking, but why these companies if any of them was used? What do they have to do with this? I mean what do these companies report to a consumer personal report?

Hi name,

12/10/2016

Name

After carefully reviewing your application, we are sorry to advise you that we cannot provide you a rental opportunity at this time.

If you would like a statement of specific reasons why your application was denied, you may contact the Application Review Manager at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. Please refer to the following application number:

SmartPay Leasing, LLC.
P.O. Box 626
San Francisco, CA 94104-626
Attn: Application Review Manager

If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number is shown below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied your application. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice.

In addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file (if one was used) by contacting:

SageSteam, LLC
P.O. Box 503793
San Diego, CA 92150-3793
Toll-free: (888) 395-0277
www.sagestreamllc.comLexisNexis
1000 Alderman Dr
Atlanta, GA 30005
Phone: (678) 694-6000
www.lexisnexis.comClarity Services, Inc.
P.O. Box 5717
Clearwater, FL 33758
Phone: 866-390-3118

Further, our decision was based in whole or in part on information obtained from an outside source other than a consumer reporting agency as part of our consideration of your application. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.

If you have any questions regarding this notice, you should contact SmartPay Leasing, LLC. at the address indicated above.

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this rentor is:

Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580
1-877-FTC-HELP (1-877-382-4357); TDD: 1-866-653-4261
www.ftc.gov

[fltireguy]

Clarity. They specialize in subprime risk / credit reports..

All 3 are essentially secondary CRA's - LN and Sagestream have been popping up more and more lately..

[RobertEG]

If you wish info as to what information was considered in their denial and why it was relevant, be it information in a consumer credit report or in other reports, then the letters inform you how to obtain that information.

It appears that you should contact them at the adresses provided, or contact the CRA to obtain a copy of your credit report within the period provided.

[Anonymous]

You should count your blessings you were denied for Smartpay. You lease that phone. You don’t own it. By the time you are done paying it, you’d have paid double for that phone. That’s a waste of your hard earned money. There are so many complaints with the bbb on them. I don’t believe it helps your credit, but I do believe if you don’t finish the payments, it will hurt it. They take your social security number. You don’t want to do that. Save up for the phone you want. Or go on Ebay, buy used. Pick a person with 100 feedback.

[Anonymous]

php111 ... used Straight Talk in my past ... could NOT run fast enough to get away. Customer Service was terrible and on a good day I needed a hearing aid to hear them or an interpreter to understand them. AWFUL!!! In my research, it seems that Walmart has the oar in their water!