topic Re: What to Look for in LexisNexis Report? in General Credit Topics

What to Look for in LexisNexis Report?

VanderSnoot — Wed, 17 Jul 2019 19:21:51 GMT

I received my LN report today. I looked through it twice, and I don't see anything concerning. However, it's very different from a report by EQ/EX/TU. Most of the report consists of physical addresses that I have been associated with, including deed information for these addresses, regardless of whether I owned the building. It also has an odd assortment of email addresses, most of which date from 1999-2005.

Is there anything specific I should focus on? It's showing only one credit inquiry, the auto insurance coverages don't quite line up, and I wouldn't mind deleting some email addresses, but there's nothing that jumps out at me as being wrong or derogatory.

Re: What to Look for in LexisNexis Report?

M_Smart007 — Thu, 18 Jul 2019 18:33:38 GMT

@VanderSnoot wrote:
I received my LN report today. I looked through it twice, and I don't see anything concerning. However, it's very different from a report by EQ/EX/TU. Most of the report consists of physical addresses that I have been associated with, including deed information for these addresses, regardless of whether I owned the building. It also has an odd assortment of email addresses, most of which date from 1999-2005.

Is there anything specific I should focus on? It's showing only one credit inquiry, the auto insurance coverages don't quite line up, and I wouldn't mind deleting some email addresses, but there's nothing that jumps out at me as being wrong or derogatory.

I froze My LexisNexis Report, and opted out of all future junk.

after reading my phonebook thick LN Report, just decided they had way to much info.

I have had ZERO problems getting CC's or Checking Savings Bank Accounts after doing this.

Re: What to Look for in LexisNexis Report?

VanderSnoot — Thu, 18 Jul 2019 22:06:20 GMT

Thank you. I opted out/suppressed public records but I haven't yet taken the next step of freezing the report. I'm considering doing so, and it's good to know that it doesn't seem to hinder access to new credit.

Was there anything in particular that alarmed you or was it the sheer amount of information? They have a record of every address I've ever lived, except the house where I was born. It was an interesting read - a bit of a trip, really.

Re: What to Look for in LexisNexis Report?

Anonymous — Tue, 06 Aug 2019 20:41:30 GMT

Froze everything and exercised the Opt Out to eliminate more information and solicitations. Lexis Nexis Report was 52 pages which is about 50 pages more than it needed to be. Addresses that were repeated multiple times with one letter or number different ... ridiculous!!!

Re: What to Look for in LexisNexis Report?

Berk — Sat, 20 Jul 2019 17:08:16 GMT

Yep, I think most of us would be very alarmed at the sheer amount of info corporations can collect on us. But in the age of the World Wide Web we might as well get used to it. Most of us are connected 37 ways until Sunday and still get shocked when we find out how much is out there. I've come to grips with it years ago so it doesn't bother me anymore. Initially, it felt like an invasion of my privacy until I realized that I was the one that let them in in the first place.

Re: What to Look for in LexisNexis Report?

Anonymous — Sun, 21 Jul 2019 03:44:37 GMT

Yes but will you have problems getting car insurance if you freeze LN? And many places use that information for authentication questions, including CRAs, so does it prevent that? And what about correcting that information?

Re: What to Look for in LexisNexis Report?

M_Smart007 — Sun, 21 Jul 2019 22:17:30 GMT

@VanderSnoot wrote:
Thank you. I opted out/suppressed public records but I haven't yet taken the next step of freezing the report. I'm considering doing so, and it's good to know that it doesn't seem to hinder access to new credit.

Was there anything in particular that alarmed you or was it the sheer amount of information? They have a record of every address I've ever lived, except the house where I was born. It was an interesting read - a bit of a trip, really.

sheer amount of information. that was enough to Alarm Me.

sorry for the late reply.

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 22 Jul 2019 08:55:00 GMT

@Anonymous wrote:
Yes but will you have problems getting car insurance if you freeze LN? And many places use that information for authentication questions, including CRAs, so does it prevent that? And what about correcting that information?

In my corner of the world having everything frozen has not been a problem. Shopped seventeen insurance companies and no problems for access. They have what they call are work arounds and they go to the general world and seek information and I am amazed that they do it but, they found what they needed. Also, by shopping around for many companies there was no real incentive for loyalty (surprised me). Saved $500+ (not one of the fast talking slick TV Commercial insurance ads either) and still had good coverage so for me the frozen world has had no impact.

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 22 Jul 2019 08:58:11 GMT

Yeah now that I think about it they do have a credit based insurance score based on TU, so I guess if you freeze LEXIS-NEXIS which pull from Equifax, I guess there’s another service available that pulls from TU. Do we know what that is? Or what other workarounds may be? Is there a competitor to LEXIS-NEXIS that we should be pulling reports from?

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 22 Jul 2019 10:23:52 GMT

@Anonymous wrote:
Yeah now that I think about it they do have a credit based insurance score based on TU, so I guess if you freeze LEXIS-NEXIS which pull from Equifax, I guess there’s another service available that pulls from TU. Do we know what that is? Or what other workarounds may be? Is there a competitor to LEXIS-NEXIS that we should be pulling reports from?

Your questions are spot on! Can not remember at this moment. Will think on it. My insurance contact is gone so insider info may not be available to me.

Re: What to Look for in LexisNexis Report?

VanderSnoot — Tue, 23 Jul 2019 21:04:29 GMT

I'm freezing Innovis, ARS, SageStream, and LexisNexis. Below are links to each CRA's freeze requirements (please correct):

Innovis - can freeze online.

https://www.innovis.com/personal/securityFreeze

ARS - call to get instructions (required information and mailing address).

https://www.ars-consumeroffice.com/securityfreeze.faces

SageStream - must write (fax/mail).

https://www.sagestreamllc.com/security-freeze/

LexisNexis - as befits a legal service, LN is the most opaque. I was able to do it by phone.

To suppress public records: https://optout.lexisnexis.com/

To freeze "account" (per a lengthy disclaimer at the start of the phone call, the purpose of which was likely to confuse the caller into not freezing their report), start here: https://personalreports.lexisnexis.com/fcra_consumer.jsp

Re: What to Look for in LexisNexis Report?

Anonymous — Tue, 23 Jul 2019 20:44:18 GMT

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/LexisNexis-Report-Next-level-creepy/td-p/4695935

Re: What to Look for in LexisNexis Report?

iced — Tue, 23 Jul 2019 20:56:59 GMT

@Berk wrote:
Yep, I think most of us would be very alarmed at the sheer amount of info corporations can collect on us. But in the age of the World Wide Web we might as well get used to it. Most of us are connected 37 ways until Sunday and still get shocked when we find out how much is out there. I've come to grips with it years ago so it doesn't bother me anymore. Initially, it felt like an invasion of my privacy until I realized that I was the one that let them in in the first place.

Correct. In the Internet age, privacy is obsolete. Furthermore, no amount of opting out or cease-and-desisting is going to make the data collection go away or stop. All that will change with all that is who it's shared with.

Re: What to Look for in LexisNexis Report?

iv — Sun, 04 Aug 2019 19:09:04 GMT

@Anonymous wrote:
Yeah now that I think about it they do have a credit based insurance score based on TU, so I guess if you freeze LEXIS-NEXIS which pull from Equifax, I guess there’s another service available that pulls from TU. Do we know what that is? Or what other workarounds may be? Is there a competitor to LEXIS-NEXIS that we should be pulling reports from?

Yep.

Transunion has their own CBIS based on TU reports - you can get the Auto score via CK.

There's also Verisk and their subsidiaries:

Verisk reports:

https://fcra.verisk.com/

IIX reports (part of Verisk, but have separate systems):

https://www.verisk.com/iix/support/fcra-information/

If you want to get even more creeped out, look into Verisk Telematics Data Exchange...

Re: What to Look for in LexisNexis Report?

Anonymous — Sun, 04 Aug 2019 20:48:13 GMT

Iv You can get both the home and auto CBIS from CK. I’ll definitely look into the others thank you!

Re: What to Look for in LexisNexis Report?

iv — Sun, 04 Aug 2019 21:13:36 GMT

@Anonymous wrote:
Iv You can get both the home and auto CBIS from CK. I’ll definitely look into the others thank you!

I stopped seeing the Home CBIS on CK recently - last time it worked for me at the old link was 6/1.

They changed the site in early June, and while Auto CBIS is now at https://www.creditkarma.com/auto/hub/hub-summary/insurance - I haven't been able to find the Home CBIS anymore...

Have you managed to locate it since the change?

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 05 Aug 2019 04:18:30 GMT

Iv I just checked and for the first time and I can’t find it anymore so, I guess you’re right they must’ve removed it. We should send an email or something.

Re: What to Look for in LexisNexis Report?

iv — Mon, 05 Aug 2019 02:59:32 GMT

@Anonymous wrote:
Iv I just checked for the first time and I can’t find it anymore so, I guess you’re right they must’ve removed it. We should send an email or something.

Darn. I was hoping you'd found it!

The previous page at https://www.creditkarma.com/myfinances/scores/insurance#home had stopped being linked to by any "normal" part of the CK site some time ago... but the numbers and charts there had continued to update for both Home and Auto CBIS. It was fairly clearly abandoned in place. That page stopped existing sometime between 6/1 and 6/14.

With the recent CK redesign, Auto CBIS is directly linked to again from the main site, but Home CBIS appears to be gone completely.

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 05 Aug 2019 04:19:57 GMT

That sucks, we should all write customer service and request it be revived.

Re: What to Look for in LexisNexis Report?

Anonymous — Mon, 05 Aug 2019 11:44:09 GMT

@VanderSnoot... my findings were similar. Report was 52 pages and most of it was addresses with one too many digits, a letter wrong and it goes on. LexisNexis offered to work with me on cleaning it up but, 52 pages ... I thanked them and said "forget it".

As to Freezing Reports, I froze ten of the thirty-three bureaus/information gathers I found (the Majors). As has been said, it is the Digital Age! As to all these hacks and accidental information dumps (I wonder?) pretty well has us out there in the great world.

Will say, for my own psychological well being I froze reports and Opted Out of various information and marketing activities. It worked and, the postal person is very lonely now?