First off I just want to say I'm not sure if this will work in all states but a little research and you could have your answer.
I was sitting here today thinking of ways to do different disputes or ways to get things deleted and I decided to check out the Florida Attorney General website. I looked under the services and it said consumer protection so I started reading. Here is what it said
Remove your personal identifiers from Florida court records.
Any person has the right to request the Clerk or County Recorder to redact/remove his or her , bank account number, credit, debit or charge card number
If you believe your personal information appears in a publicly available record, contact your County Clerk's Office to initiate a request. For the State of Florida Clerk Directory go to:
Now this got me thinking about Public Records and maybe this can be used to help get it removed. I.E. bureau says verified, you say how, they say courthouse, you call bullshit since your social is nowhere to be found.
What are your thoughts?
Don't CRAs usually verify through lexisnexis? i can't recall if I've heard any recent stories where they actually did verify through the clerks office.
---
Right - for it to stay off, you need to get it off LN first.
---
Specifically to LexisNexis RiskView and Full File Disclosure, I will submit the exact address in a post for inclusion when I get home. I must wait a short while before I can access that information to share at this time, the LN address, RiskView and otherwise.
Big +1 and agreement that the first step is indeed to write for and obtain the Lexis/Nexis Full File Discosure. Two weeks later, I got two separate envelopes with many reports in each back.
---
Ok so lets say they do verify through Lexis Nexis. LN is going to have the original information in their system with your social correct? Lets say you dispute with CB they send to LN and they verify. You get the verified letter and send them the recorded document that you got from the clerk that does not have your social on it and you reply to the CB verified letter.
Hey CB I visited the county clerks office in my area after your verified BS letter and they have no record of a PR for me. Here is the only record of a person with a similar name and information they have on file. Note that there is no Social Security Number associated with this record. Delete this account now or I will seek legal action. You have 15 days.
I just pulled that out of my ass so Im sure with some thought a better letter would be more of an impact.
What do you think? Im trying
---
Yeah I guess what I'm saying is that they will still verify with LN and you will still have to send a similar response to the CRA anyway. Messing with removing the SSN is a moot point if they never actually verify it in the first place, especially since LN already has the original record with all identifiable information. Not saying you are wrong - just thinking aloud here.
I would highly recommend removing personal information from any public record where possible though. I was perusing the local public records database online here last year and came across some older online docs that contained home addresses, names, DOBs, and SSNs of some individuals. I'm guessing newer records probably have a lot of this redacted but they probably just copied in the older docs from the previous database.
---
I see your point good thing Im opted out already. I was just thinking who says the CB is going to send it to LN anyway? Maybe they just match up the info they have on file and send out a verified letter? Who knows?
Opting out of LN was quit easy maybe thats a better option as to get that PR info outa there.
---
I see your point good thing Im opted out already. I was just thinking who says the CB is going to send it to LN anyway? Maybe they just match up the info they have on file and send out a verified letter? Who knows?
Opting out of LN was quit easy maybe thats a better option as to get that PR info outa there. Then attack, attack, attack!
---
I think the LN opt out and freeze are two separate things. I'm thinking a freeze is the preferred way to keep CRAs from using them to verify information.
---
Man I need to figure out how to opt out of LN...
---
Address for their RiskView subsidiary:
And, as to their Full File Disclosure request address, which is Step 1...
(Various addresses)
One of those is Full File Disclosure. Its here if you look for it.
---
There was another post with a rather unique way to opt out of l* exis n* exis.