Report: #1490042

Complaint Review: SageStream LLC - San Diego California

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  • Updated:
  • Reported By: Roberta — INDPLS Indiana United States
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  • SageStream LLC PO Box 92150-3793 San Diego, California United States

SageStream LLC Gave me a bogus credit rating! San Diego California

*Consumer Comment: Not Going to Happen

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I applied for a car loan at Ray Skillman Westside Imports Indpls, In. I recieved a letter from Ally Bank 12-26-2019 denying my request due to my credit score from MainStream LLC of 459! My credit score with Experian and Transunion are 653! I have never heard of this company and feel this is a bogus company!

I want this investigated and changed! I have worked extremely hard on my credit score and am proud of how it is rising! I applied at this Car Dealer because they advertise buy here pay here for people trying to build their credit! This company has made it impossible for me to have a vehicle unfairly!

Sincerely, Roberta Henley

This report was posted on Ripoff Report on 01/06/2020 03:23 PM and is a permanent record located here: https://www.ripoffreport.com/report/sagestream-llc/san-diego-california-gave-1490042. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Not Going to Happen

AUTHOR: Jim - (United States)

POSTED: Tuesday, January 07, 2020

I guess I should start by stating that your score without any context means anything.  Putting your Experian and TransUnion scores doesn't provide that since those scores are based on a different floor and ceiling than SageStream.  However, the average Experian and TransUnion score is 720, so your score of 653 tells me you have below average credit and you still have some work to do.

SageStream weights your credit score more on your overall history, than simply your recent history like Experian, Equifax, and TransUnion do.  In other words, if you have worked on your credit score to raise it from the depths of the deep to where it is today, then your hard work will be more positively reflected on Experian and TransUnion, than it will with SageStream.  If you found a dealership that uses SageStream, then you found a dealer that is looking for customers who have little to no history of bad marks on their credit.

The thing you should do, aside from improving your credit, is not to go to dealers that use SageStream and tell them you won't do business with them.  When enough people make the decision to follow your lead, and their profits drop as a result, then that will either force the dealership to change whom their partner with, OR SageStream will change their model.

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