This upstart operates with impunity. Their gross negligence and inaccuracies will cost the consumer money and reputation. They should be stopped before they have the opportunity to become a major player in the market. Excerpts from my letter to a mobility vehicle sales representative. BEGIN EXCERPT Paula brought the mail in this evening and in the stack were several envelopes from Ally Bank. Imagine my shock when I read, first the denial and then the reasoning for the denial. First off, lifting our credit freezes did absolutely no good. Evidently Braun considers "due diligence" a Pontius Pilate exercise. They, and Ally, assert that they considered Trans Union, Equifax, and (some fly by night) Sage Stream reporting agencies. They also assert that the Trans Union and Equifax were not available. I'll skip the explitive that comes most readily to mind. So moving to Sage Stream. They cite a negative recommendation based on: 1-Distance between address and area code of phone 2-Limited history at this address 3-Limited history at this phone 4-Too few active accounts I have, in hand, a Trans Union credit report less than one week old. It shows an unblemished record for greater than 10 years! As far as the citations from Sage Stream go how can a phone number from central Florida be too far from an address in central Florida? Evidently, 5 years at our present address with a history of mortgage, auto lease, utilities, and HOA aren't enough. Ally and Braun never questioned this damaging and inaccurate information. So now my disappointment in the interest rate has heated to the point of anger and mistrust. END EXCERPT User's recommendation: Don't do business with agencies associated with Sage Stream LLC.