LexisNexis Full File Disclosure.. holy cow, how do... - myFICO® Forums

kimbersleep · ‎05-03-2018

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 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]

thornback · ‎05-03-2018

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 | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

Anonymous · ‎05-04-2018

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?

thornback · ‎05-04-2018

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

@Anonymous 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 | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

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

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

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

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

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

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

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

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

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

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

Get your FICO Score for free