Categories Guide

Quick Answer: What is a SageStream score?

SageStream credit scores are on a scale of 001 to 999. Generally, the higher the number the less risk a person is and therefore the more likely the lender will be paid. The SageStream credit score is not the same as the FICO credit score.

What information does SageStream report?

As part of LexisNexis Risk Solutions, SageStream provides consumer reports and credit scores to different types of companies including credit card issuers, retailers, and wireless telephone service providers.

Why do companies use SageStream?

SageStream claims to help consumers with relatively thin credit files by looking at nontraditional information, such as people’s relationship with wireless providers or Internet service providers. As with any consumer reporting agency, SageStream is subject to the Fair Credit Reporting Act.

How do I get my SageStream report?

If you would like to obtain your SageStream consumer report, you may:

  1. Submit your request securely, online by completing our Consumer Report Request Form;
  2. Submit a written request by secured fax at (858) 451-2847 or by mail to: SageStream, LLC Consumer Office, P.O. Box 503793, San Diego, CA 92150;
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What does opting out of SageStream do?

Opt-Out of Unsolicited Credit and Insurance Offers You can elect to have your name and address removed from such prescreen lists compiled by SageStream by requesting to opt-out.

Who does SageStream report to?

Collects information from, and provides supplementary consumer reports to, auto lenders; credit card issuers; retailers, utilities and mobile phone service providers; and other service providers.

Does Equifax use SageStream?

Though its origins are unclear, SageStream — like primary reporting agencies Equifax, Experian and TransUnion — is regulated by the Fair Credit Reporting Act (FCRA). That means that lenders could be looking at your SageStream score in addition to your FICO score as provided by one of the major reporting agencies.

Is LexisNexis a SageStream?

SageStream, LLC is a credit reporting agency that provides consumer reports and scores regulated by the Fair Credit Reporting Act (FCRA), and is now part of LexisNexis® Risk Solutions. For more information, please visit the LexisNexis Risk Solutions Consumer Disclosure Portal.

How many credit bureaus are there?

The three credit reporting agencies are TransUnion, Equifax, and Experian. Because of their reporting methods, it is common to have different credit scores across all three bureaus. In order to get the best loan terms available, you should bring all three credit scores to your loan appointment.

How can I remove hard inquiries?

A legitimate hard inquiry usually can’t be removed. But it disappears from your credit report after two years, and typically only impacts your score for about one year. If you find an unauthorized hard inquiry on your report you can file a dispute and request that it be removed.

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Is SageStream LLC legitimate?

Is SageStream LLC Legitimate? Yes, SageStream LLC is a real credit reporting agency based in San Diego, CA.

What is Sage screen?

About the Sage Screening Program The Sage Screening Programs help keep Minnesotans healthy through screening and early detection of breast and cervical cancer. Screenings are provided at participating locations free of charge to people who qualify.

How do I dispute a SageStream?

File Dispute

  1. Mailing your dispute to us at: SageStream, LLC, LexisNexis Risk Solutions Consumer Center. P.O. Box 105108, Atlanta, Georgia 30348-5108.
  2. Calling us toll-free at (888) 395-0277.

What information does LexisNexis have?

LexisNexis. Your professional and financial life are revealed in a LexisNexis Full File Disclosure, which is similar to data in credit reports. It can include whether you own a house and what you paid, previous addresses, professional licenses, liens, judgments and more.

What is a freeze on credit?

A security freeze prevents prospective creditors from accessing your credit file. Creditors typically won’t offer you credit if they can’t access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name.

What is Innovis used for?

Innovis, founded in 1970 and based in Columbus, Ohio, provides businesses with identity verification, credit reports and fraud prevention services.

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