Why have LexisNexis searched my credit report?

The LexisNexis / IIL search footprint on your credit file could mean that several insurers and brokers have requested and received information from it. LexisNexis/IIL then shares the information returned from the CRAs with all insurers and brokers that have requested it.

What credit bureau does LexisNexis use?

FICO® Score XD — developed by LexisNexis in partnership with FICO and Equifax and based on Equifax, LexisNexis, and NCTUE data — leverages alternative data sources to assess credit worthiness among traditionally unscorable populations.

What is a LexisNexis check?

Our electronic identity verification solution checks identity information against authoritative sources to reduce the risk of identity fraud, instantly identify genuine customers, verify age and support AML know your customer checks.

What information does LexisNexis collect?

LexisNexis. Your professional and financial life are revealed in a LexisNexis Full File Disclosure, which is similar to data in credit reports. It can include whether you own a house and what you paid, previous addresses, professional licenses, liens, judgments and more.

Does LexisNexis affect credit score?

LexisNexis provides a system for the carrier’s home office or insurance agent to access credit bureaus in order to receive an individual’s credit report. LexisNexis does not make credit decisions or determine insurance underwriting guidelines.

What shows up on LexisNexis background check?

Standard Background Checks include identification verification and a search of LexisNexis’s proprietary criminal records database that verifies an individual’s: Legal Name. Current Address. Social Security Number.

What is LexisNexis credit score?

LexisNexis® National Credit File allows insurance carriers to properly classify an insured consumer according to potential risk. A credit-based insurance score developed from statistical analysis helps underwriters better assess risk exposure prior to granting insurance coverage.

Who can access LexisNexis?

Examples of LexisNexis customers include law enforcement agencies, federal homeland security departments, banking and financial services companies and insurance carriers, legal professionals, and state and local governments. Certain products, such as Peoplewise and Vitalcheck, are sold to the general public.

Can a LexisNexis hard inquiry on my credit report?

With its National Credit File program, LexisNexis may access data from all three of your credit reports. This would result in a hard inquiry on one or more of your reports. we suggest you ask a professional credit repair company for help.

How does LexisNexis footprint affect your credit score?

This is recorded in your credit history, but is only visible to you and not visible to lenders and therefore don’t affect your credit score. However, if the footprint mentions only LexisNexis it would be related to insurance services meaning an insurance company would have carried out an identity check on you.

What are the features of LexisNexis national credit file?

Features. LexisNexis seamlessly implements programming changes and system upgrades for each bureau in a timely fashion. National Credit File is a consumer reporting agency product provided by LexisNexis Risk Solutions and is fully compliant with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq.

Can you view a consumer report from LexisNexis?

Yes you are entitled to view your report from any consumer reporting agency, including LexisNexis (some give them once per year for free, while others may charge a fee). Go here to find out how to get a copy of your LexisNexis report http://www.lexisnexis.com/privacy/for-consumers/request-personal-information.aspx