even THEY have no earthly idea what their scoring model is!!! I'm more confused then before I called.
Me: "How is your scoring accounted for?"
Her: "It's based only on inquiries"
Me: "OKKKKK so I'm low because I have so few?" (because I knew 1 is not too MANY)
Me: "so I'll just apply for a couple cards from companies that will pull from you guys and that will raise my score right?"
Her: "no Sir that would lower your score"
So after an hour of basically going around and around pissing her off I concluded my score is low because I did not have ENOUGH inquiries with them (just 1 from Discover) BUT if I add some it will lower my score?!?!?!?!???? so raising it is literally impossible, they are a pure scam used to raise interest rates on honest borrowers.
Freeze these ass clowns as fast as you can!!
OK, first, that was semi-painful to read. You would do better to make it clear what you are asking about. It also seems like you started telling us the story in the middle.
Inquiries do not raise your score. Too many inquiries in a short period of time can lower your score. You don't need inquiries to raise your score, you need reporting accounts showing positive payment history. You need accounts that are not showing late payments on them. You need a decent mix of accounts--revolving, installment, etc. Other factors are age of your credit, debt to income ratio, and so on.
Also, you need to understand who you are dealing with:
I could not find a single person on any website, that was not linked to Sagestream, that had anything good to say about them. They appear to be a company that intentionally reports low scores for people, and also, I have not seen anyone other than Ally Financial that uses them. Sagestream does not appear to be able to explain to anyone what constitutes a "good" score in their system....they also do not appear to be able to even describe how they calculate scores. Tons of examples of people having really great credit scores through the big three....but their Sagrstream score is even as much as a few HUNDRED points lower than the others--with no explanation.
sorry, I was up for 3 days (work related) when I wrote that.
problem is NO ONE seems to report to them, even the inquiry I had they never reported the account (and its an account I still have in perfect standing) so at this point I have 1 inquiry 0 accounts (not even the one who inquired) so my score is terrible
If you read the article I posted, it says that they use "nontraditional" means. While the other CRAs focus on FICO score, they focus on other areas that may show a consumer's willingness and ability to pay, such as rentals, etc. You're not going to find a whole lot of creditors that report credit situations to them, but I would sugges contacting them to get a copy of your report. That way you can see what's on it.