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Navy Federal Request TransUnion Obtain Third-Parties Supplemental Consumer Credit Information!!!!!!


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So I just pulled my TransUnion credit report and saw this at the SP section of the AR inquiries from NFCU.

 

Nowadays, banks and financial institutions take the Goldman Sachs tactic as a model to do more research on each consumer applying for credit. 

 

Let revisit the procedure of inquiries:

 

EWS, SageStream*, TransUnion, and CoreLogic Credco for credit card application, these CRA are empirical data according to both my apps with Navy Federal in June and Sept.

 

We all know Navy Federal HP TransUnion each time you apply for a credit card, we/I don't know they pulled CoreLogic Credco. Here's the proof...

 

*SageStream LLC is part of LexisNexis Risk Solutions.

 

VAfQLVe.png

 

 

 

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So I just pulled my TransUnion credit report and saw this at the SP section of the AR inquiries from NFCU.
 
Nowadays, banks and financial institutions take the Goldman Sachs tactic as a model to do more research on each consumer applying for credit. 
 
Let revisit the procedure of inquiries:
 
EWS, SageStream*, TransUnion, and CoreLogic Credco for credit card application, these CRA are empirical data according to both my apps with Navy Federal in June and Sept.
 
We all know Navy Federal HP TransUnion each time you apply for a credit card, we/I don't know they pulled CoreLogic Credco. Here's the proof...
 
*SageStream LLC is part of LexisNexis Risk Solutions.
 
VAfQLVe.png
 
 
 

Can you freeze EWS, CoreLogic and SageStream?


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10 hours ago, PotO said:


Can you freeze EWS, CoreLogic and SageStream?


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The answer is yes to SageStream LLC and no awareness or familiarity with the other two.

 

Personally, except for the Big Three, I will not freeze any of the others CRA (more than 35 of them). There is too much tracking and no time to engage in such a difficult task to monitor.

 

A few years ago, our CB members had a serious debate on EWS's refusal to freeze consumers' EWS report files. So far, there is no clear answer.

 

I believe you have the discretion of freezing SageStream LLC because it is part of the LexisNexis Risk Solution, and people can request to freeze it. However, I don't know anything about CoreLogic freezing.

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The answer is yes to SageStream LLC and no awareness or familiarity with the other two.
 
Personally, except for the Big Three, I will not freeze any of the others CRA (more than 35 of them). There is too much tracking and no time to engage in such a difficult task to monitor.
 
A few years ago, our CB members had a serious debate on EWS's refusal to freeze consumers' EWS report files. So far, there is no clear answer.
 
I believe you have the discretion of freezing SageStream LLC because it is part of the LexisNexis Risk Solution, and people can request to freeze it. However, I don't know anything about CoreLogic freezing.

Good to know!

It would be nice if there were a Master List of credit bureaus and quasi credit bureaus and how to freeze them.


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14 hours ago, PotO said:

It would be nice if there were a Master List of credit bureaus and quasi credit bureaus and how to freeze them.
 

If you have time, please search on the CFPB website. You will find a list of credit reporting agencies and other small financial reporting companies involved in consumer-related credit issues. This is a groundbreaking report on all relevant content topics. 

 

In this list, some CRAs may be frozen if you request them.

 

Confirm that CoreLogic Credco freeze is enabled in the list.

 

https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies-list.pdf

Edited by MP80
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