I ordered my credit report from LexisNexis. It was not an easy process.
I had to go online, verify myself over and over again, and then wait for the report to be mailed.
I appreciate the extra security, but it really was over-the-top. The mailing was fast though, just over two weeks.
Now for the bad part…
I am a person with a long history of perfect credit and scores near or over 800 with the three main credit bureaus. However…
LexisNexis shows multiple names that are not mine on the report.
LN shows addresses where I’ve never lived on my report.
LN also shows email addresses, and it has many emails that have never been mine on the report.
It shows accounts that are not mine on the report.
My normal credit report is about 6 to 8 pages long, but LN has a 55-page report!! And a large majority of that isn’t even me.
So now, how long will it take to get all that erroneous garbage off? I’ll find out. And I’ll let you know.
I would like to hear your experience with this “data broker” called LexisNexis if you’d like to share in the comments.
Lexis Nexis is a pain in the ass to deal with… I too have attempted to verify myself on the forms that LN originated without success. It is very frustrating and no doubt impacted my property insurance rates with a new insurance provider in April and early May 2024. LN makes it ridiculous to resolve even the small issues. I haven’t requested a recent copy of my credit score, but I plan to purchase a new vehicle soon, so I will request my new report in advance of my anticipated purchase. THANKS!
Thank you for sharing your experience. As you might know, auto dealerships typically pull only one of the three major credit reports. You can ask the dealership ahead of time which report they use, and explain you want to check for accuracy ahead of your application for financing.
I also have had problem issues with LN. They need a good lawsuit.
Tom
LN is fairly quick. it was 1 or 2 weeks for me. Certain things can be disputed and certain things cannot. Car insurance companies uses it to determine your rate. So it’s good to dispute traffic violations.
I received both mine and my husband’s LN report. It was lengthy for both. We’re both close to 800 on our credit score. I noticed inconsistencies too. As with you, we have email addresses that aren’t ours. Home addresses that aren’t ours. Quite a bit of email addresses that aren’t ours, as a matter of fact. The report itself goes back to the 80s when I opened a PO Box when I first married. Interesting that is included a insurance claim on my homeowners/car insurance too.
That’s crazy — going back to the 1980s! Congratulations on your stellar credit scores, though!!
You are absolutely right, so fair I’m on my third request. Now I’m waiting to hear a decision on my verification identification.