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Every Dispute That Is Mailed out Has To Have 3 Vital Items Enclosed With Your Disputes. That Is A Picture Of Your Most Recent Utility Bill, Drivers License, and Social Security Card. Please Take Your Time And Make Sure Every Corner is visible.
HOW TO KILL THE DATA AGGREGATORS Lexis Nexis, Innovis, and Sagestream are the largest data aggregators out there, and they are paid money by the CRAs to feed them with information regarding everyone’s dirty laundry which includes alimony payments, tax liens, judgments, and bankruptcies among other things. Kill this data source, and the CRAs won’t be able to verify a thing. Additionally, you will need to initiate a freeze with CoreLogic Credco. What I want you to do is to opt-out and place a security freeze on each of the three Data aggregators. What this does is stops the data aggregator from reporting data to anyone. How can this be? It’s pretty simple — In LexisNexis own words: Individuals may request to opt-out of having personal information about themselves made available through certain LexisNexis products and services, in accordance with legal requirements or if permitted by LexisNexis policy. Such requests are referred to as “Information Suppressions.” The security freeze and the opt-out are similar, but not the same. For LexisNexis, you need to do both, and while they are intended for use in cases of fraud and identity theft, an unintended side-benefit of an opt-out or credit freeze is that the data aggregator will no longer send data about you to the credit reporting agency. It’s true, and it works! Now let’s replay the scenario we had earlier about the tax lien, with our information from the data aggregators frozen: You click “dispute item”. You select the lien, which is perfectly accurate. You select “not mine or does not belong to me” The CRA then reaches out electronically to its data aggregator to verify the information. Note: The CRA does not reach out to the Court, IRS, or even County Recorder! The Data Aggregator comes back with a “sorry, I can’t tell you about anything in this guy’s file because it’s been suppressed and is under a security freeze! The CRA can no longer verify the item, SO IT MUST DELETE IT! You Win!!!!
The first thing you will do, therefore, place a security freeze and opt-out of each of the data aggregators as follows:
Instructions to Opt-Out:
Opt-out by visiting https://optout.lexisnexis.com/oo.jsp
You will see a form on the page — fill it out completely. Don’t worry about entering you're social — it’s perfectly safe, and they already have it. At the bottom of the page, there is a drop-down menu called REASON. Select the following item: I do not want my information available for distribution to the general public Wait 30 days for the opt-out to take effect! While the opt-out process is usually quick, it can take up to 30 days for it to take effect, meaning that LexisNexis might supply information to the credit bureaus for a little bit of time after you submit, soWAIT A MONTH AFTER YOU DO THIS BEFORE DISPUTING TO BE SAFE! Instructions to place Security Freeze: Phone the LexisNexis consumer center at 888-497-0011. They have unusually long hold times, be prepared to be on hold for up to an hour. When you reach an attendant, tell them that you would like to place a security freeze on your account. Usually, they will not ask you why you want to do this and will ask you for information to verify your identity such as name, address, social security number, etc. It's okay, give them all of this — they already have it! Occasionally I have been told that you might reach a tough attendant who will grill you as to why you want a security freeze. Tell them this: “I suspect that someone has stolen my identity in the recent Equifax data breach”. They will know what this is; three out of four Americans are affected. Don’t tell them much more than that. They will place a freeze on your account and mail you out a PIN number, whichyou can use to deactivate the freeze should you need to. There is no reason to ever unfreeze this, by the way.
Innovis does not have a method of opting out;
a regular security freeze will do. Here are the instructions:
Visit the following website: www.innovis.com/security-Freeze/index
Fill out the online form. At the very top, select “request a security freeze” There are two checkboxes in the middle of the form that ask about whether you are a victim of identity theft. Check “Yes, I am a victim of identity theft”. Submit the form. Innovis freezes you almost immediately, i.e. within a few hours.
Sagestream is based out of San Diego and has no online form. Here is what to do to place a security freeze on your account:
Phone this number: (888) 395-0277 The number will often ring busy; there are so many callers. When you do connect, you will often receive a voicemail box telling you to leave a message. Go ahead and leave a message, they actually do call back but it takes them a day or so. When the person calls you, they will announce that they are from Sagestream and ask you what you need. Tell them you want to place a security freeze. They will ask if you are comfortable sharing biographical information over the phone, such as name, birthdate, social, etc. Again, don’t worry, they already have this information! Your security freeze will be confirmed with a letter that has a pin number in order to deactivate it, and will take effect immediately.
By clicking the "Submit" button, you will initiate a process to submit a request for a file freeze or unfreeze. To complete the process, you will receive an email from CoreLogic Inc. requesting that you provide additional information to verify your identity.
If you do not provide this information, Credco will not be able to place the security freeze or unfreeze on your file. If you prefer, you may always request a security freeze, lift, or remove a freeze on your file by contacting us at 877-532-8778
Hit all four of the aggregators on the same day, if possible, so you can then mark on your calendar when the 30 days is up. The three security freezes will be up and running in a matter of days; the LexisNexis opt-out will take the longest, at about 30 days, but be patient and wait.
We cannot start disputing items until the “freezes” are in place, just to be safe.
The jury is still out on what effect a security freeze has on future credit, but many credit gurus agree that it has no effect at all on obtaining future credit, and many have obtained credit even with the freeze in place. If you are worried about keeping your data aggregator files frozen under a security freeze, you can always unfreeze at a later date using the pin numbers you receive from each aggregator. Remember; keep the aggregators frozen while disputing and in the credit repair process.