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Permissible Purposes are mandated by each state, therefore a consumer's state of residence determines what information is permissible to return. LexisNexis Risk Solutions offers security freezes–and lifts security freezes–free of charge. A consumer will receive their LexisNexis Consumer Disclosure Report, if they request it.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.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.Ī security freeze has the following effects on a consumer's report: Security FreezeĪ 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. For example, the security freeze will not be in place at TransUnion, Equifax or Experian, Innovis or others. LexisNexis Risk Solutions does not charge a fee to apply, lift or remove a security freeze from your file.Īll 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.

Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. 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. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. Consumer Portal Request a Security Freeze Freeze Access to Your Credit FileĪpplying 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.