Request a Security Freeze
Freeze Access to Your Credit File
Applying a security freeze prohibits LexisNexis Risk Solutions and SageStream from releasing your LexisNexis Consumer Disclosure Report, your SageStream Consumer Report, or your credit score without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, a security freeze does not apply to companies, or collection agencies acting on behalf of such companies, with which you have an existing account that requests information in your consumer report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. LexisNexis Risk Solutions does not charge a fee to apply, lift or remove a security freeze from your file.
All security freezes that are requested through this portal will only be in place at LexisNexis Risk Solutions and SageStream and not other credit reporting agencies. For example, the security freeze will not be in place at TransUnion, Equifax or Experian, Innovis or others.
Security Freeze
A consumer has the right, pursuant to state law, to request a security freeze be placed on certain LexisNexis Risk Solutions reports, and for LexisNexis Risk Solutions to not release those reports without the consumer lifting the security freeze. When this occurs, a customer that inquires on the consumer receives only a notification that the consumer has placed a security freeze on their file.
A security freeze has the following effects on a consumer's report:
- No consumer information is returned to a customer if the consumer has a security freeze on their file, and the customer's permissible purpose is one that the consumer's state of residence had determined blocks the report.
- A consumer will receive their LexisNexis Consumer Disclosure Report, if they request it.
LexisNexis Risk Solutions offers security freezes–and lifts security freezes–free of charge.
Permissible Purpose
Permissible Purposes are mandated by each state, therefore a consumer's state of residence determines what information is permissible to return. If the purpose has been deemed to be permissible, information will be returned and an inquiry will show on the consumer's report even when a security freeze is in place. Any inquiries NOT deemed as having a permissible purpose, will not return any consumer information.
Security Freeze Message
The actual alert that appears on a consumer's report appears below:
The subject of this consumer report currently has a security freeze on file preventing the return of the information you requested. If the consumer would like their security freeze lifted, please instruct them to call LexisNexis Risk Solutions at 1-800-456-1244.
1. Request Your Security Freeze Online
You can request your security freeze, or temporarily lift or permanently remove your security freeze, as well as order a replacement PIN for either yourself, a minor child (under the age of 16), or a protected consumer using our online Security Freeze Forms. To make your security freeze request online, select the correct option below:
Once we have verified and processed your request, you will receive a letter in the U.S. Mail confirming that your request has been completed.
2. Request a Security Freeze by U.S. Mail
You can request your security freeze via U.S. Mail using the address below:
LexisNexis Risk Solutions Consumer Center
Attn: Security Freeze
P.O. Box 105108
Atlanta, GA 30348-5108
3. Request Your Security Freeze by Phone
You can request your security freeze via phone at 1-800-456-1244.
Your FCRA Rights (Federal and State)
Read about your rights under the Fair Credit Reporting Act.
How Can We Help?
Contact us through our LexisNexis Risk Help page for:
- General questions
- Special assistance/accessibility questions
FAQs
Applying a security freeze prohibits LexisNexis Risk Solutions and SageStream from releasing your LexisNexis Consumer Disclosure Report, your SageStream Consumer Report, or your credit score without your express authorization.
Should I opt out or freeze LexisNexis? ›
So, if you have concerns about your privacy, data security, spam, scams, and identity theft, we suggest deleting your data from LexisNexis. This simple step helps you take back control of your own information and decrease online exposure.
Why did I receive a letter from LexisNexis Risk Solutions? ›
If you receive a letter from LexisNexis, this message is for you. LexisNexis is working with ConsumerInfo.com, Inc., an Experian® company, to provide you with a range of credit management and identity protection services, to help recipients of the letter to monitor their credit reports for one year at no cost.
Why is there a security freeze on my credit report? ›
A credit freeze restricts access to your credit report. If you suspect your personal information or identity was stolen, placing a credit freeze can help protect you from fraud.
Does LexisNexis affect credit score? ›
LexisNexis/IIL search footprints are soft footprints. Soft searches do not affect your credit score or your ability to obtain credit and are automatically removed by the CRAs after a given time, usually between 12 and 24 months after the search was conducted.
What is the difference between locking and freezing your credit report? ›
The three major credit reporting bureaus — Equifax, Experian and TransUnion —sometimes promote their credit lock services. However, there are key differences between the two services. Credit locks can carry a monthly fee, while credit freeze options are free.
Do background checks use LexisNexis? ›
LexisNexis Criminal Background Check
A criminal background check by Lexis Nexis checks the state, local, and federal databases for criminal records. Depending on the laws of the state, this may also include arrests.
How do I clear my LexisNexis history? ›
Deleting Items from History
- Click History.
- Click View All History.
- Select the items you want to delete.
- Click delete icon.
- Click Delete.
LexisNexis Risk Data Management, Inc. ("LexisNexis") is a provider of bankruptcy information to Equifax. If you have questions about the information LexisNexis has provided to Equifax, please contact us by one of the methods referenced below.
Is LexisNexis Risk Solutions a legitimate company? ›
As a trusted provider of information solutions, together with our parent company, RELX, LexisNexis Risk Solutions places great value on the proper handling of personal information.
Our Top 10 Picks: Best Auto Insurance Companies That Use LexisNexis
| Rank | Multi-Vehicle Discount | Jump to Pros/Cons |
|---|
| #1 | 17% | State Farm |
| #2 | 10% | Progressive |
| #3 | 10% | USAA |
| #4 | 25% | Allstate |
6 more rowsJun 2, 2024
LexisNexis Risk Solutions is a global data and analytics company that provides data and technology services, analytics, predictive insights, and fraud prevention for a wide range of industries.
How do I remove a freeze on my credit report? ›
Some issuers may not check your credit when you apply, but that's rare to find. How do I remove a credit freeze from my account? To remove a credit freeze from your account, contact the credit bureau where you've had your credit frozen. You may do this online, by phone or by mail.
Does a credit freeze prevent opening a bank account? ›
A credit freeze is a security measure you can take to prevent new accounts from being fraudulently opened in your name. But that also means you can't open a new account yourself while the freeze is in place. Credit freezes work by blocking new creditors from reviewing your credit report.
How long does a credit freeze last? ›
Frequently Asked Questions. How Long Does a Credit Freeze Last? There's no time limit on credit freezes.
What happens when you opt out of LexisNexis? ›
By removing your information, you may be unable to work with some companies that rely on the LexisNexis report. Only some of your information will be removed from the system, however, so keep this in mind when considering having your information removed.
How do I block my information on LexisNexis? ›
You can also opt out through the LexisNexis consumer portal, via their help page, or by calling their consumer center at 1-888-497-0011. To submit an online request form, visit the consumer center and enter your full name and address.
Can you put a freeze on ChexSystems? ›
If you choose to place a security freeze on your file, to assist you in managing access to your data, you will receive a unique Personal Identification Number (PIN) by mail or delivered to the ChexSystems Consumer Portal. It is important to keep your PIN secure and accessible.
How do I delete my LexisNexis history? ›
- On the Search menu, click Full Text Search.
- In the Full Text Search dialog box, click the History button.
- In the Search History dialog box, highlight the searches you want to delete.
- Click the Delete button.
- In the message box, click Yes.
