SageStream Opt-Out: Removing Your Data from SageStream

Follow the step-by-step instructions for the SageStream opt-out process in our guide below.

Consumer credit companies and financial institutions use powerful online tools to learn about customers.

One of the most popular tools is SageStream, which provides credit scores and consumer reports to credit card issuers, wireless telephone service providers, retailers, and utility companies.

If you don’t want your personal information shared without your authorization — or want to keep your financial history and credit ratings out of criminals’ hands — you can opt out of data collection.

In our guide below, learn what SageStream is and how to complete the SageStream opt-out process. This process deletes the details that SageStream collects and permanently removes you from the credit reporting database.

SageStream: A Leader in Credit Reporting Agencies and Consumer Reporting Companies

SageStream is a secondary consumer reporting agency that helps banks and retailers determine consumers’ creditworthiness.

It collects alternative data, including utility payments and cell phone histories. SageStream provides consumer reports to lenders and insurers.

Once its own company, SageStream merged with LexisNexis Risk Solutions, but it still operates independently of the primary credit bureaus while providing credit decisioning services and enhancing protections against identity theft.

SageStream, a consumer reporting agency under the FCRA, offers five major services:

• Consumer Reports
• Security Freezes
• Opt-in/Opt-out
• Information Blocking
• File Disputes

SageStream collects information from public records and credit bureaus and uses it in consumer reports. On the SageStream website, LexisNexis says opt-out requests are processed through the LexisNexis® Risk Solutions Consumer Center: “Requests for consumer reports and security freezes will be processed through the LexisNexis® Risk Solutions Consumer Center.“

Like all credit reporting agencies, including large credit-scoring companies like Equifax, TransUnion, and Experian, SageStream is bound by specific regulations governing its information collection practices and what companies can do with that information. We’ll cover the primary regulation in the next section, practices, and what companies can do with that information. We’ll cover the primary regulation in the next section.

The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA), enacted in 1970, was created to promote the accuracy, fairness, and privacy of consumer information collected and shared by credit reporting agencies.

Because SageSream is covered under the FCRA, it must give consumers certain rights. While specific legal protections vary by state, on the federal level, consumers have the right to:

• Be told if your consumer report file has been used against you.
• Know what is contained in the consumer report.
• Ask for a credit score with your credit report.
• Dispute incomplete or inaccurate information on your legal forms.
• Give consent for your credit report to be provided to prospective and current employers.

When you apply for a security freeze on your report or credit file through SageStream/LexisNexis, you can help protect against identity fraud and spam. It is important to note that security freezes requested from LexisNexis do not freeze your credit file with the other major credit reporting agencies, such as Experian and TransUnion; a security freeze must be requested from each agency. You can also request a copy of your consumer report or dispute information in your credit file or other legal documents. Also, request a copy of your consumer report, dispute information in your credit file, or other legal documents.

SageStream Opt-Out Process: How to Opt Out of SageStream

After learning about Sage Stream and what information it shares with companies you might obtain credit from, you may wish to opt out. Thankfully, the Sage Stream opt-out process is relatively straightforward, though opting out does not remove your SageStream file.

1. First, visit the Opt-in/Opt-Out page on the Sage Stream website by clicking https://www.sagestreamllc.com/opt-out-opt-in/index.html.
2. Next, read the instructions on the above page, then click the link labeled “Opt-Out Election Form.” You can navigate directly to the form by clicking https://forms.sagestreamllc.com/#/opt-self.
3. Please fill in the required form fields with your full name, address, and any additional information requested for identity matching on your account; submitting your Social Security number is not recommended unless required.
4. At the bottom of the online SageStream form, there are two options: opt in or permanently opt out. Select the second option to stop SageStream from including your name on prescreened marketing lists rather than deleting your file. This affects prescreened credit and insurance offers but does not prevent lenders from accessing your SageStream information.
5. Check the Captcha box, then click the Submit button once the form is completed. The process typically takes 5 to 20 minutes, and SageStream processes requests within five business days.
6. If you wish to opt back in later, you can use the same form to receive insurance offers again through SageStream lists. SageStream data is not used by most lenders in their credit scoring processes.

Additional Opt-Out Information

Sage Stream has made it easy to opt out of information collection; you can also request it securely by mail or telephone.

To opt out by mail, print out the Opt-Out Election Form and mail it to:

LexisNexis Risk Solutions Consumer Center
PO Box 105108
Atlanta, GA 30348-5108

According to the SageStream opt-out page, your written request must include the following information:

• Your first, middle, and last names (include Jr., Sr., III, etc.)
• Your current address, including ZIP code
• Your current telephone number with area code
• Your Social Security number
• Your date of birth (month, day, year)
• Indicate whether your request is to Opt Out or Opt In.
• Your signature on your written request

You may also call the LexisNexis toll-free number at 888-395-0277 to request to opt out. You may need to submit documents to verify your identity before your request can be processed.

Why You Should Opt Out of SageStream

When you make a written request to opt out of SageStream or permanently opt out using the SageStream opt-out form, you take a big step toward protecting your digital privacy.

You’ve probably experienced unsolicited offers from credit card companies or banks. Receiving unsolicited offers is both annoying and risky. These financial institutions prescreen lists compiled by SageStream to determine your creditworthiness. Unfortunately, preapproved offers can be used by criminals to spoof your identity. If they apply for credit or loans in your name, your credit rating and online reputation can be damaged severely.

If you’re tired of such prescreen lists and want your address removed from mailing lists, opting out is your best option. You gain control of your personal details with a few clicks of the mouse or by completing an online Sagestream form and signing electronically. This helps to protect you against identity theft while eliminating your address from prescreening lists and credit offers.

SageStream Removal by InternetReputation

Personal information, including your credit report, legal documents, and other personally identifying details, is readily available online.

Because the web is unpredictable, managing your reputation can be an effective way to keep that information hidden. 

Unfortunately, opting out of data collection sites like SageStream can be time-consuming and frustrating. We can help. We’ll handle the process of opting out of SageStream for you, allowing you to focus on maintaining your digital reputation.

Our customized ORM campaigns utilize the latest in SEO and digital technology to give you control over your online presence.

With the right plan for managing your online reputation, you can protect your privacy from sites like SageStream and LexisNexis Risk Solutions while controlling your online reputation and public perception.

Call an InternetReputation data removal specialist today at 941-259-4554 or contact us online to learn more.