SageStream, LLC

My credit score from the three major reporting agencies are 795, 756, and 730. San Diego based SageStream LLC provided a rating of 598? If you look up SageStream LLC on the internet you find nothing but negative reviews, scam, rip-off etc. The results are the same, they make up false information on the people so that they can help Ally Bank and other institutions make more money on their auto loans. The reason for my low score is as follows: Limited history at address: I am in the process of moving to this location. I told that to the stupid people at AutoNation when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. Not enough debt experience - I usually pay CASH, is that a crime? Total Account balances? Limited history at this Phone: 20 years on the one phone and 10 years on the other. It is my and other people's opinion that SageStream LLC, (P.O. Box 503793, San Diego, CA., 92150-3793) https://www.sagestreamllc.com and Ally Bank (P.O. Box 1048, Hartford CT., 06143) are co-conspirators to defraud the public by providing wrong and or misleading information, so that Ally Bank can change the terms of the submitted auto loans so that Ally Bank can make more money. I am not sure if AutoNation Chrysler Dodge Jeep Ram, Houston, TX., 1515 S Loop W, Houston, TX 77054 - Call 7134897825https://www.autonationchryslerdodgejeepramhouston.com is also involved in this conspiracy or not, but if you look up all the complaints filed against SageStream LLC, it sure looks like their might be a lot of auto dealers also involved as well as Ally Bank, for sure. Please investigate this Fraudulently company and them out of business. Look at all the complaints filed against SageStream LLC!

I applied for credit with fine hit me said i should contact you guys it says I’m associated with phone changes utility inquiries and a number of inquiries

Never heard about this reporting agency, told the bank my score was 436 but right above them was my trans union score of 640. There is only 3 credit agencies correct?

Upon looking to purchase a used car the dealer sent my information to Sagestream LLC. It stated my score was 544 while with the big three its 675. there reasons were as follows: Consumer associated with phone changes. Really? I have had the same landline for 30 years and cell phone # for 24. Not enough debt experience. Well I am 56 yrs old and have had plenty of revolving credit and have a mortgage on my house in addition to an Auto loan . Limited History for consumer at this phone. This is all bogus derogatory information which is consistent with other consumer criticism. I will be file a complaint with fair credit and the BBB they are associated with. they have only been around 19 years which explains why nobody knows of them.

I have never heard of Sagestream until today. They say my score is 458 but transunion says 554. There are 3 important credit unions that most car dealerships use. I went through driver select and my down payment was a lot less than what Don Herring Mitsubishi wants so those are scams sagestream that is

I received a denial from Ally Bank because of staged and has my credit score as a 526 but the three major bureaus have my credit score at 800 bought a car with a 3% higher interest rate because I was not aware of what they were doing they need to be stopped submitted a complaint with cfpb and they just say basically there are other models for credit however sagestream says my length of credit history is too short 15 years 2 credit cards is too short. Also length of residence is too short 6 years steam residents. They need stoped

Sagestream reported me deceased on a credit application

I went to buy a vehicle from CarMax about a month ago. Today in the mail I received a letter regretfully informing me that I had been denied a loan from a lender, but that with certain adjustments, they would accept my application. In the letter they gave reasons why they denied my application but had 2 different sections for their reasons based on credit reporting agencies. The first section was for TransUnion and Equifax and everything was correct. The second section was for SageStream, and included a line that stated my credit score was over 200 points lower than my scores reported by the agencies above.

Just got a note from Ally Bank regarding a car loan. I got a loan through a local credit union here in a San Antonio. My credit scores from the other companies said my credit score ranged from 715 to 747. SageStream, though, gave me a credit score of 535. Don’t understand. Never heard of SageStream. Why is my score so low?

Rejected for BP Card

I had NEVER heard of SageStream until my Credit Card Company sent me a Letter providing the Credit Bureaus they inquired about me with the normal Equifax, Experian then I see SAGESTREAM??! I have NEVER signed on for them to Monitor my Credit. They have NO PERMISSION to do so! And NOW SAGESTREM wants my SS# in order for me to "OPT OUT". NO I DON'T THINK SO!! PLEASE HELP ME get SAGESTREAM OUT of my Life!! If they were the ultimate reason why I DID NOT get my last Personal Loan Request I want to SUE THE PANTS OFF OF THEM!! I DO BELIEVE that they ARE SCAMMING ALL OF US!! I will STAND UP FOR WHAT IS RIGHT vs, WRONG!! -Elaine Boyd, Jackson, TN

I have never heard of Sagestream LLC until I got a letter from them today. And I live in San Diego! They letter was addressed to me at my home. The letter was denying me credit to "ELECTRONICS ETAIL," whatever that is, because Sagestream LLC determined that I was deceased. I am a alive and well with excellent credit. I never applied for credit with anyone remotely connected to the name above in all caps. I don't know what this is, but they don't provide a phone number and a person to talk to. These people sound like fraudsters. They also suck at research. I am immediately renewing my credit freeze.

Tried to apply for a car loan and Ally sent me a statement saying my credit score was to low. My credit score is in the lower 600 sagestream said I was at 456 something isn't right.

I received a denial letter from Comenity Bank stating I was deceased which is not true at all! Never heard about Sagesteam and when I called they said they would need a whole bunch of personal information sent to them to prove I was actually alive.

Another consumer with a denial letter from Ally Bank and SageStream stating they’d be happy to handle the transaction under modified terems….. They have my credit score at 640 with the following reasoning: Limited history for consumer at this phone (same number since 2007) Not enough bankcard debt experience (same bank for nearly 20 years) Too few active accounts (mortgage, car, electric, water, cable, and insurance aside… sure I’ll give them that one) Length of residence too short (same residence 2007) Inquiries did adversely affect this score (What the actual f*ck man!) Yet Equifax has me sitting at 775

SAGESTREAM, LLC reported that I am deceased. They denied credit and as a result it cost me $100.00 because I lost out on a promotion to open a credit account

Hi Gregoy. Let's talk more about this and figure out what you can do to fix this situation. Thanks, Mike.

Hi Lelia. What modified terms were they offering you? We can discuss this and your options if you reach out to my office at 312-224-4695. Thanks, Mike.

Hi Zachary. This seems to be a common occurrence with Sagestream LLC. Let's talk about how we can work on this when I reach out to you. Thanks, Mike.

Hi Jack. It isn't rare that Sagestream LLC reports lower than normal credit scores. I would be happy to discuss this with you, feel free to contact my office at 312-224-4695. I will also call you in the meantime. Thanks, Mike.

Hi Kimberly. You're the third person on this page that reported Sagestream LLC declaring them deceased. I would be happy to see how I can help you and will contact you to discuss your case. If you would like to contact me at a more convenient time, my office number is 312-224-4695. Thanks, Mike.

Hi Elaine. You are one of a number of consumers with complaints against Sagestream LLC. I would be happy to help get them out of your life. Please reach out to my office at 312-224-4695 and we can get the ball rolling. Thanks, Mike.

Hi Jim. Would you like to discuss this further? Please reach out to my office at 312-224-4695. Let's see what options you may have. Thanks, Mike.

Hi Thomas. We can discuss this further, however it is common that Sagestream LLC gives a much lower than normal credit score to consumers. I will give you a call and we can talk. Thanks, Mike.

Hi Jonathan. Unfortunately, Sagestream LLC is known for lower than normal credit scores. If you would like to send the denial letter to my office for me to review, you can do so at [email protected]. I will also reach out to you to discuss your case. Thanks, Mike.

Hi James. Sagestream LLC seems to do this frequently. My office can help. I'll give you a call and we can work on it. Thanks, Mike.

Hi Nancy. Your complaints are similar to so many others that I hear about Sagestream LLC. I can discuss this and what options you may have when I reach out. Thanks, Mike.

Hi Stephanie. Sagestream LLC has many complaints against them regarding their low credit scores. If you're interested in finding out what help my office can offer, please feel free to reach out to me at [email protected] or 312-224-4695. Thanks, Mike.

Hi James. Your issues with Sagestream LLC are far too common, unfortunately. Let's discuss this further. I'll give you a call. Thanks, Mike.

Hi Joseph. Sagestream LLC is a secondary credit reporting agency that reports to auto lenders, credit card companies, retailers, utilities, and mobile phone providers. Their methods of calculating scores are a bit murky and you do have options to freeze your credit with them. I can help with that. Please reach out to my office at 312-224-4695 and we can discuss your options. Thanks, Mike.

Hi Jackie. Let's talk more about this and determine what exactly Sagestream LLC is reporting. I'll reach out. Thanks, Mike.

Hi Edward. You are correct, Sagestream LLC is known for multiple complaints, including lower than normal credit scores and reporting consumers as deceased that aren't. If you'd like to discuss this further, or work on a credit freeze with them, my office can help. I'll give you a call and we can talk. Thanks, Mike.

SageStream reports have misinformation and not in line with any other credit reporting agencies. my mortgage credit report just pulled was aprox 740-765 in all 3 major credit bureaus. applied for synchronly credit card. sage stream reported my credit at 640. over 100 points lower. this companys scoring system doesnt make send and not based on credit worthiness. i got approved for a 500k house but not a TJ MAxx credit card.

Hi Van. You are absolutely right, SageStream LLC does report typically lower than any of the "Big Three" credit reporting agencies, you are not the first person with that complaint; the internet is full of complaints for the same thing. If you'd like to talk more about this, feel free to reach me at my office at 312-224-4695. Thanks, Mike

Myself and my husband applied for a credit account with jcpenney through synchrony bank. We were denied. We got a letter in the mail from Sagestream saying that BOTH of our credit files are frozen. I have looked up this company through through the state if California, they are owned and operated by Lexis Nexis Risk Solutions. None of the so called.emplpyees from the manager to the CEO are accessible or can be contacted. You cannot speak to anyone when you call their number. I was informed by synchrony bank that they randomly select a credit bureau to run for credit but I find it odd, both my husband and myself got the same exact denial when we applied on two different days. They are predatory and fraudsters. They are also profiting off credit denials. How are they able to get away with this. I filed a complaint with the CFPB, they responded with some bs claim that I could call them through the number in their website, which is a lie! This is a joke and there needs to be a lawsuit against them.

Didn’t ask for loan from Anyone anywhere.Use local bank for last 15yrs.Got letter denying me a loan from Marcus SageStream LLC reporting agency did hard enquirers drop my credit score a bunch TransUnion and Did not apply for loan Period any where

These guys are absolutely brutal, not only are their scores inaccurate but they make it impossible to speak / work with someone to get it resolved. Can you give something negative stars?

I applied for a loan to Sportsman warehouse to get a explorewards Visa card serviced by Comenity Capital Bank . I was denied because of a report they got from Sagestream llc with a credit score that was over 200 points lower than it is plus lack of history . I have lived in the same house for 22 plus years had the same phone for 13 years same bank farm is paid for same bank for years 5 year car loan is almost paid off. I could go on but I think I have made my point. They run it through someone else and it ended up being wrote by another company. When that paperwork is finally sent I end up with a lease instead of a loan at twice the price and a buy out clause at the end of it or return item after paying twice over the price.