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LexisNexis Full File Disclosure.. holy cow, how do you attack it?

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Contributor

LexisNexis Full File Disclosure.. holy cow, how do you attack it?

First time ordering my LexisNexis full file disclosure..

 

I'm 40ish years old (have 20+ years of credit), have bought & sold 3 real estate properties, lived in 5 states, filed Chapter 7 BK almost 15 years ago, clean driving record, no property insurance claims.

 

The file is two hundred + pages -- over a half inch thick. Photo below if you don't believe me. It's gonna take awhile to sift through all of this data. Getting my post-it notes handy to mark pages with incorrect info.

 

For any who have ordered their Full File Disclosures, how did you go about identifying the errors? What were your results when contacting LexisNexis to correct or remove the info?

 

200+ Pages of Full File Disclosure200+ Pages of Full File Disclosure

04/20/17 - Fico Score 8: EQ 695, TU 689, EX 728; Mortgage: EQ 731, TU 740, EX 815 [Starting Point on MyFico]
05/09/18 - Fico Score 8: EQ 827, TU 821, EX 811; Mortgage: EQ 815, TU 795, EX 822 [Latest MyFico 3B]
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Valued Contributor

Re: LexisNexis Full File Disclosure.. holy cow, how do you attack it?

I found disputing inaccurate info to be super easy; posted all about it ⮕ My LexisNexis Experience

Feel free to respond to me with any questions you may have.  

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 4
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Frequent Contributor

Re: LexisNexis Full File Disclosure.. holy cow, how do you attack it?

What exactly is a lexis nexis report? I’m assuming every mistake you’ve ever made is in there? Even if it was a long time ago? And do lenders pull it?
Message 3 of 4
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Valued Contributor

Re: LexisNexis Full File Disclosure.. holy cow, how do you attack it?

In my previous post, I linked to a post i made about LexisNexis.  It will answer all of your questions.

 


@Seezer wrote:
What exactly is a lexis nexis report? I’m assuming every mistake you’ve ever made is in there? Even if it was a long time ago? And do lenders pull it?

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 4
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