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LexisNexis Report

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Ficoproblems247
Valued Contributor

LexisNexis Report

So I ordered my LexisNexis report online because I want to start getting a bit of a feel for what the bureaus other than the "big 3" have on file to show potential lenders among other things. It was a very simple process; I filled out the request on my phone browser, actually and had the request complete within a minute or two. Fast forward to 5-7 days later or so, I receive a full 8 1/2 x 11 envelope in the mail from them but only a couple of pieces of paper. It had a code on it to enter into a web browser which I did, but it said it was invalid. I didn't have time to mess around with it that day, so I put it on the back burner to come back to later. A week or so goes by and I forget by this point, but am reminded when I get yet another mailer the same as the first one with a slightly different web address and a different PIN code. I try this one, and it works straight away. We use LexisNexis validation among the other bureaus (the big 3) at my place of employment for credit checks and verification on a daily basis, so I kind of already had an idea of what to expect, but holy smokes, it is a lot of info! I recommend to anyone that is curious picking up a copy of theirs "just because." There is certainly A LOT of info in there.  The next bureau I had in mind to check out was Innovis. I hear that they have a broad range of data as well. I thought it interesting that Cap1 specifically lists by name on their website a list of bureaus that will effect your score: "Equifax, Experian, Innovis, and Transunion." Anyone else have a unique suggestion on what to grab next? I know there are a ton of them out there and a lot of them are specialized to specific data segments. I understand this is all common knowledge, but I just wanted to share my experience. Happy data mining, everyone! Smiley Happy 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 1 of 7
6 REPLIES 6
VanderSnoot
Established Contributor

Re: LexisNexis Report

Other common ones are ARS, Sagestream, Verisk, IIX, but there are a lot of info gatherers.

 

https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies-list.pdf

 

You can search for other posts about pulling or freezing these reports.

 

Message 2 of 7
Raisondetre
Contributor

Re: LexisNexis Report

You got lucky that you got a code, I got a huge stack of papers when I did it. lol

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Message 3 of 7
NGeorge
Valued Member

Re: LexisNexis Report

Uggh...

 

LexisNexis almost sunk my mortgage refinance... I totally forgot about them; I even got my mortgage to begin with 18 months prior with no issue.

 

The issue was that they had a paid judgment from 9 years ago still on their report showing as unpaid, which "Factual Data" used in their underwriting process -- and it caused the credit union's automatic system to reject the loan... both I and the loan officer went through multiple calls and letters with these idiots to get it cleared. When I first got my mortage, that company used a place called "Credco" which apparently didn't check LexisNexis.

 

Since the rest of my credit was fine -- and the fact that I bought the house 18 months before without this coming up, the loan officer was able to get a supervisor to manually override it because rather than receiving a letter from LexisNexis stating that the information was removed (after I sent proof it was paid off years back) I received letters from all 3 credit bureaus saying "we received a dispute for an item that is not reporting in your credit report"...  So in other words they didn't even touch their own report and went after something non-existent with the 3 bureaus.

 

Luckily it worked out OK... but I still felt like dealing with these people was so much more hassle than wasneeded. I feel like reform should come to the "other bureaus" the way it has for the main 3.

Message 4 of 7
M_Smart007
Legendary Contributor

Re: LexisNexis Report

 

I got My Lexis Nexis phonebook thick report a while back, froze it and opted out of future sharing. Smiley Happy

 

Message 5 of 7
NGeorge
Valued Member

Re: LexisNexis Report

Where do I get this full report? The web address they gave just pointed to their homepage...

Message 6 of 7
M_Smart007
Legendary Contributor

Re: LexisNexis Report


@NGeorge wrote:

Where do I get this full report? The web address they gave just pointed to their homepage...


@NGeorge.... "TRY HERE"

Message 7 of 7
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