How to Place a Security Freeze on all Secondary Credit Bureaus

Don’t ever dispute the top three credit bureaus associated with your personal credit before Disputing all of the secondary credit bureaus first.

The primary credit bureaus that report on your personal credit are: Equifax, Experian and TransUnion.

• The top three credit bureaus can’t report what they can’t validate and if your address is not on the debt then the content associated with it goes away
• Also any place that you’ve lived that’s connected today make sure you remove that as well
• Get mail sent to a family member address so that you can use that address or alternatively a PO box

Below is a list of all of the secondary credit bureaus:

LexisNexis

1. Online: Go to the [LexisNexis Security Freeze Portal](https://consumer.risk.lexisnexis.com/freeze) and follow the instructions to place a freeze online.

2. By Mail: Send your freeze request to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108.

3. By Phone: Call 1-800-456-1244 to request a freeze by phone.

Innovis

1. Online: Use the [Innovis Freeze Page](https://www.innovis.com/personal/securityFreeze) to submit a freeze request online.

2. By Phone: Call 1-800-540-2505 for phone requests.

3. By Mail: Send your detailed request to Innovis Consumer Assistance, P.O. Box 26, Pittsburgh, PA 15230-0026.

Clarity Services

1. Online: Clarity Services does not offer an online freeze option.

2. **By Mail**: Send a written freeze request to Clarity Services, Inc., P.O. Box 5717, Clearwater, FL 33758.

SageStream

1. Online: SageStream security freezes can be managed via [LexisNexis](https://consumer.risk.lexisnexis.com/freeze) due to their affiliation.

2. By Mail: Send requests to SageStream, LLC Consumer Office, P.O. Box 503793, San Diego, CA 92150.

FactorTrust

1. Online: Visit [FactorTrust’s Freeze Page](https://www.factortrust.com/Consumer/CreditFreeze/Landing.aspx) to place a freeze directly.

2. By Mail: Send mail requests to FactorTrust, Attn: Consumer Inquiries, P.O. Box 390, Woodlyn, PA 19094.

ChexSystems

1. Online: Place a freeze via [ChexSystems’ Security Freeze](https://www.chexsystems.com/place-security-freeze).

2. By Mail: Mail your freeze request to Chex Systems, Inc., Attn: Security Freeze Department, P.O. Box 583399, Minneapolis, MN 55458.

Advanced Resolution Services

1. Online: Submit a security freeze request via [Advanced Resolution Services Website](https://www.ars-consumeroffice.com/).

CoreLogic

1. By Mail: The specific procedure and address are not provided directly online, but you can review [YouTube guidance](https://www.youtube.com/watch?v=JZST9axFfVs) for general steps or contact CoreLogic directly for detailed instructions.

The information typically you’ll be requested to submit looks like this:

For each of these requests, you will generally need to provide:

– Your full name, including any middle initial and suffix.

– Social Security number.

– Date of birth.

– Addresses for the past two years.

– A photocopy of a government-issued identification card (e.g., driver’s license).

– Proof of current residence (e.g., utility bill or bank statement).

NOTE: If you’re doing this and trying to apply for truist credit card They will not be able to verify if the secondary credit bureaus are frozen.

IMPORTANT!

• What are some ways that may negatively affect getting approved for credit in the future if all of the secondary credit bureaus are frozen?

When you place a security freeze on your credit reports at secondary credit bureaus like Clarity Services, SageStream, or Innovis, certain types of companies may have difficulty verifying your credit information. Here are some scenarios where this might impact applications:

1. Subprime Lenders: These lenders often rely on secondary credit bureaus to assess the creditworthiness of individuals who do not have significant histories with the three major bureaus (Experian, Equifax, and TransUnion). A freeze may affect loan approvals from these lenders.

2. Payday and Auto Title Lenders: These entities frequently use services like FactorTrust or Clarity Services to evaluate loan applications. A freeze might prevent them from accessing necessary information, potentially leading to application delays or denials.

3. Rent-to-Own Businesses: Companies offering rent-to-own arrangements for items like furniture or electronics may use data from secondary bureaus to check applicants’ creditworthiness.

4. Telecommunications Companies: Some telecom companies might consult secondary bureaus when deciding on setting up plans or contracts, especially if the primary credit bureaus lack detailed profiles.

5. Employment Screening: Certain employers, particularly in financial sectors, might check credit reports as part of the employment screening process. A freeze at secondary bureaus can impede this if they rely on these specific reports.

6. Apartment Rentals and Housing: Landlords and property management companies might use CoreLogic or other similar services to screen potential tenants. Freezing your report might necessitate additional verification steps.

If you have a freeze on your reports and are applying for credit, a loan, or housing, it may be a good idea to inquire ahead of time what information the provider will check and prepare to temporarily lift the freeze if necessary. This way, you can manage access to your credit information while still facilitating your applications.