Consumer Report

SageStream, LLC is a credit reporting agency that produces credit reports and scores from our repository of consumer information contributed by a wide array of companies including leading financial services organizations, wireless providers, utilities, retailers, auto lenders and many others.   It’s always a good practice to obtain a copy of your consumer report, also referred to as a “credit report” or a “disclosure report”, to know what information is being reported about you and to ensure that the information is accurate.  If you believe that information contained in your report is not accurate, you can take steps to dispute it.  As a general matter, requesting a copy of your own consumer report does not adversely affect your credit score since it is not considered to be a “hard” inquiry that a potential creditor would make when you apply for credit or open an account.

If you would like to obtain your consumer file, you may (1) call us at (888) 395-0277, or (2) submit a signed, written request by secured fax at (858) 312-6275 or by mail to: SageStream, LLC Consumer Office, P.O. Box 503793, San Diego, CA 92150.

If you submit a signed, written request by fax or mail, please provide the following information:

  • Your first name, middle name, last name, suffix (if applicable)
  • Your current address including ZIP code
  • Your current phone number with area code
  • Your Social Security number
  • Your date of birth (month, day, and year)

For security purposes, we must verify your identity.  Therefore, please include the following with your written request:

A legible copy of your current driver’s license or other current government-issued identification card showing your current address and date of birth.

  • If your driver’s license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required.
  • If you do not have a driver’s license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required.

     Category 1

  • Social Security card
  • U.S. passport picture page
  • Alien registration card
  • Military identification card (front and back)

     Category 2

  • Recent cable, utility or telephone statement with your name and current mailing address
  • Bank statement with current address
  • Rental lease agreement showing current address
  • Voided personal check with your preprinted current address
  • Notarized letter from your landlord confirming your current name and residential address
  • Mortgage statement with the current address

 

The address on the ID or other document must match the address provided in your request.

Your request will be processed within five business days after receipt and your consumer report will be sent by USPS first-class mail.