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Bureau Opt-Outs
6 Bureau Opt-Outs
Opting out of secondary bureaus helps protect your privacy by preventing unwanted marketing and limiting the sharing of your personal data with lenders and insurers. It reduces the risk of identity theft, errors in your credit file, and exposure to non-traditional lenders, ultimately supporting your credit repair efforts and giving you more control over your financial information.
LexisNexis
What They Do: LexisNexis collects and shares detailed personal and public records used in background checks, insurance underwriting, and risk assessments.
Innovis
What They Do: Innovis is a consumer credit reporting agency, like Experian or Equifax. They supply data for credit prescreening and other financial services.
ChexSystems
What They Do: ChexSystems tracks your banking activity — including overdrafts, account closures, etc. — and is used by banks to approve or deny new account openings.
SageStream
What They Do: SageStream gathers alternative credit data like utility bills, payday loan activity, and public records, which lenders use to assess credit risk.
CoreLogic
What They Do: CoreLogic shares data used for tenant screening, mortgage lending, property ownership, identity verification, and insurance underwriting.
ARS/Clarity Services
What They Do: ARS & Clarity Services collect consumer data on short-term lending, payday loans, etc., often used by non-traditional lenders.