I recently requested my LexisNexis reports, and the paperwork arrived via snail mail today. I immediately logged in to view my documents. My report is 65-ish pages long, and contains a lot of repeated information--like addresses, and weird variations of my name, and other stuff that I don't know whether to do anything about, or just leave as is.
But mostly I want to know if freezing my account is a good or bad idea. I froze all three major CBs several years ago, after numerous credit cards were fraudulently opened in my name. Since I'm almost always gardening, the rare times I've had to temporarily lift a freeze really haven't been a big deal. But I'm not clear on where LexisNexis fits in as far as credit goes.
I'm only aware of creditors using the 3 big CBs for credit-making decisions, not LN. From scanning my LN file, I see a ton of inquiries--recent ones--from Amex, Discover, Cap1, and Allstate!! I was surprised by that last one. I knew that some states allow *auto* insurance companies to use credit ratings in their approval/denial process, but: 1) I didn't think California was one of them and, 2) I don't currently have auto insurance. I have three policies with Allstate: homeowners, earthquake and umbrella.
Anyway, I'm just wondering if I should do anything to correct all the weird variations of my name and birthdate, and whether freezing the file would be a good or bad move. All input appreciated! 
@SoCalGardener wrote:I recently requested my LexisNexis reports, and the paperwork arrived via snail mail today. I immediately logged in to view my documents. My report is 65-ish pages long, and contains a lot of repeated information--like addresses, and weird variations of my name, and other stuff that I don't know whether to do anything about, or just leave as is.
But mostly I want to know if freezing my account is a good or bad idea. I froze all three major CBs several years ago, after numerous credit cards were fraudulently opened in my name. Since I'm almost always gardening, the rare times I've had to temporarily lift a freeze really haven't been a big deal. But I'm not clear on where LexisNexis fits in as far as credit goes.
I'm only aware of creditors using the 3 big CBs for credit-making decisions, not LN. From scanning my LN file, I see a ton of inquiries--recent ones--from Amex, Discover, Cap1, and Allstate!! I was surprised by that last one. I knew that some states allow *auto* insurance companies to use credit ratings in their approval/denial process, but: 1) I didn't think California was one of them and, 2) I don't currently have auto insurance. I have three policies with Allstate: homeowners, earthquake and umbrella.
Anyway, I'm just wondering if I should do anything to correct all the weird variations of my name and birthdate, and whether freezing the file would be a good or bad move. All input appreciated!
Many years ago, on advice from one of the credit forums, I was somehow able to permanently disable LN. If you go to pull my report it will say no record found. I can't remember now how I did it. There were a few different ways of creating various types of freezes. I think the one I did had to do with a fraud alert. Anyway, the only down side that I found from not having a LN account is that lender ID verification systems pull security questions from LN, so if you are not in their file, or otherwise frozen, you will always have to submit ID docs.
Yeah, from looking through page after page of weird variations, it absolutely looks like a lot of typos. But that's yielded some pretty funny-sounding versions of my names!
There's nothing bad that I've spotted, just a lot of misspelled words/names. At this point, I don't think I'm going to do anything, but that's subject to change!
@SoCalGardener wrote:Yeah, from looking through page after page of weird variations, it absolutely looks like a lot of typos. But that's yielded some pretty funny-sounding versions of my names!
There's nothing bad that I've spotted, just a lot of misspelled words/names. At this point, I don't think I'm going to do anything, but that's subject to change!
Decided the same thing with my 122 pages of nonsense.
Starting Score: 469
@Junejer wrote:
@SoCalGardener wrote:Yeah, from looking through page after page of weird variations, it absolutely looks like a lot of typos. But that's yielded some pretty funny-sounding versions of my names!
There's nothing bad that I've spotted, just a lot of misspelled words/names. At this point, I don't think I'm going to do anything, but that's subject to change!
Decided the same thing with my 122 pages of nonsense.
122?!!! Shoot, I feel cheated!! Mine is only about 65 pages! 
I'd trade you any day. I have a weird address. My current address counts for page after page of errors. When I built my house in '08, no one could get it right. I would get questions like "are you sure that's your address?" *smh*
@Junejer wrote:I'd trade you any day. I have a weird address. My current address counts for page after page of errors. When I built my house in '08, no one could get it right. I would get questions like "are you sure that's your address?" *smh*
Oh no!! When I bought my previous house, the post office made a mistake on the forwarding address info--they transposed two numbers--and that PLAGUED us for years!! Now, if *that* still showed up in any of my reports, I'd definitely take the time and effort to get it fixed. Luckily, it eventually went away. But what a pain....so I feel for you!
At other times over the years, I found grossly incorrect information on my credit reports, for example, an address I supposedly lived at--but it was in a state I've not only never lived in, but never even VISITED. 
How that ended up there is beyond me. Another time, an address that I recognized as one of my daughter's post-college addresses showed up as mine; at least I could kind of, sort of, understand how that ended up on my reports, but an address in a state no one in my family had anything to do with?!
@SoCalGardener wrote:
@Junejer wrote:I'd trade you any day. I have a weird address. My current address counts for page after page of errors. When I built my house in '08, no one could get it right. I would get questions like "are you sure that's your address?" *smh*
Oh no!! When I bought my previous house, the post office made a mistake on the forwarding address info--they transposed two numbers--and that PLAGUED us for years!! Now, if *that* still showed up in any of my reports, I'd definitely take the time and effort to get it fixed. Luckily, it eventually went away. But what a pain....so I feel for you!
At other times over the years, I found grossly incorrect information on my credit reports, for example, an address I supposedly lived at--but it was in a state I've not only never lived in, but never even VISITED.
This here! And folks wonder how merged files happen at the CRAs. Though, I don't think it's much of a problem anymore, it used to be quite a problem some years ago.
As my subdivision began to fill out (We were the only ones there for a while), we began to see less and less of it. However, EX still refuses to put the address in properly.