To help you succeed in rebuilding your credit, we strongly recommend completing the steps below before or during the credit cleanup process. By freezing or opting out of these data reporting services, it becomes significantly harder for creditors to verify negative information during disputes. The goal is to make this data unverifiable, increasing the likelihood of successfully removing collections, inaccuracies, and other derogatory items from your credit reports.
Please freeze or opt out of the following services:
- LexisNexis – Freeze here: https://consumer.risk.lexisnexis.com/freeze
- Stores: Liens, judgments, bankruptcies, and previous addresses.
- Clarity Services – Freeze here: https://consumers.clarityservices.com/securityFreeze
- Stores: Payday loans, auto title loans, subprime lending, and check-cashing activity.
- SageStream – Freeze/Opt-Out here: https://www.sagestreamllc.com/opt-out-opt-in/index.html
- Stores: Data from auto lenders, credit card issuers, utility companies, and cell phone providers.
- Innovis – Freeze here: https://www.innovis.com/securityFreeze/index
- Stores: Payment history, account information, mortgage details, and late payments.
- ChexSystems – Opt-Out here: https://www.chexsystems.com/optout or call 1-800-887-7652
- Stores: Unpaid bank account balances and general banking history.
- FactorTrust – Freeze here: https://www.factortrust.com/Consumer/CreditFreeze/Landing.aspx
- Stores: Subprime and alternative credit data, including payment history and bankruptcies.
For your privacy, you might want to consider getting a P.O. Box as an address.
OPT OUT NUMBER
✓ FAST
✓ EASY