11d • Q&A Credit Repair
How to Freeze Secondary Bureaus
Want Faster Deletions? Freeze These 5 Bureaus Before You Dispute
Want Faster Deletions? Freeze These 5 Bureaus Before You Dispute 💥
Most people think there are only 3 credit bureaus...But did you know there are dozens of secondary bureaus that fuel Experian, Equifax, and TransUnion?
Before you send ANY disputes… freeze these secondary bureaus so the big 3 can’t “verify” using third-party data. 💡
🔒 Why Freezing Works:
✅ Stops credit bureaus from outsourcing verification
✅ Protects your credit data from data resellers
✅ Gives you an edge in Round 1 and 2 disputes
✅ Reduces reinsertions
This is 100% legal under the FCRA and takes just minutes to do.
🧠 Who Are These “Other Bureaus”?
Here are the ones every credit repairer should freeze:
1. LexisNexis (bankruptcies, judgments, evictions)
👉 Freeze here before disputing public records🔗 https://consumer.risk.lexisnexis.com
2. SageStream / LexisNexis RiskView (inquiries, personal info)
👉 Freeze before inquiry or identity disputes🔗 https://www.lexisnexis.com/risk/request
3. CoreLogic (rental history, evictions, payday loans)
👉 Freeze before rental & eviction disputes🔗 https://www.corelogic.com/privacy-center/
4. Innovis (4th credit bureau – slow to update, often wrong)
👉 Dispute personal info, hard pulls, and old accounts🔗 https://www.innovis.com/personal/securityFreeze
5. NCTUE (National Consumer Telecom & Utilities Exchange)
👉 Used for utility bills, cell phones, cable disputes🔗 https://www.nctue.com/Consumers
🧾 Bonus: ChexSystems & Telecheck
👉 Freeze for bank-related reports (not credit but still important)
🛠️ What to Do:
- Visit the links above
- Request a security freeze (online or by mail)
- Take screenshots or save confirmations
- THEN begin your disputes
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How to Freeze Secondary Bureaus
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