What to Look for in LexisNexis Report?

[VanderSnoot]

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

[Anonymous]

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/LexisNexis-Report-Next-level-creepy/td-p/469...

[iced]

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@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.

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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 In the Internet age, privacy is obsolete.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.

[iv]

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@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?

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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...

[Anonymous]

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

[iv]

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

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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?

[Anonymous]

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.

[iv]

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@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.

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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.

[Anonymous]

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

[Anonymous]

@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?