Many consumers wonder why they have inaccurate judgment, criminal record, and bankruptcy information on their credit report.\u00a0 The answer lies in the process in which the credit reporting agencies obtain the information.\u00a0\u00a0Often times the\u00a0information\u00a0is obtained from entities called pubic record vendors.\u00a0 These vendors obtain information from courthouse records, but the data mined from the courthouse can be old, modified, or\u00a0limited in\u00a0content.\u00a0 The identifying information\u00a0acquired can be as little as a common name and a street address, which leads to wrong information matching to another consumer’s credit report.\u00a0 Many of these records do not contain social security numbers which also makes it more likely that the wrong\u00a0public record\u00a0information will match to the wrong credit report.\u00a0 This leads to consumers having credit reports containing erroneous felony convictions, convictions that were of a lesser offense, inaccurate bankruptcy listings, and inaccurate judgment information on a credit file.\u00a0 These are serious problems than can\u00a0cost\u00a0a consumer a\u00a0mortgage or a job offer.<\/p>\n
One of the largest entities possessing public record information is a company called Lexis-Nexis.\u00a0 Lexis-Nexis has lots of data in its files on all of us, and it has purchased many smaller public record vendors so that it can have even more data.\u00a0 Many consumers know to monitor their financial credit report, but they should also monitor information contained in their public record for other types of inaccuracies that are different than traditional credit accounts like criminal convictions and tax liens.\u00a0 Many employers are conducting background checks, and you should know the information\u00a0 thats is reported about your history. You can obtain a copy of your Lexis-Nexis file by following the instructions from Lexis-Nexis at the following link.<\/p>\n
https:\/\/personalreports.lexisnexis.com\/access_your_personal_information.jsp<\/a> .<\/p>\n Inaccurate criminal record information and inaccurate judgment information can be some of the worst inaccuracies possible in the area of credit reports, and can be very difficult to have removed from your file.\u00a0 If you have this highly damaging information on your credit record, you should consult an attorney who specializes in credit report law.\u00a0 I would be happy to discuss any issues with you.<\/p>\n","protected":false},"excerpt":{"rendered":" Many consumers wonder why they have inaccurate judgment, criminal record, and bankruptcy information on their credit report.\u00a0 The answer lies in the process in which the credit reporting agencies obtain the information.\u00a0\u00a0Often times the\u00a0information\u00a0is obtained from entities called pubic record vendors.\u00a0 These vendors obtain information from courthouse records, but the data mined from the courthouse … Continue reading Inaccurate judgment, criminal record, and bankruptcy information.<\/span>