Specialty Consumer Reports, Freezes & Opt-Out Assistance
Skip hours of researching agencies, forms, and mailing instructions. FreezeReports.com helps you prepare requests for consumer report copies, available security freezes, and applicable opt-outs across the active agencies we cover.
12 specialty agencies we cover
We help prepare the applicable freeze, report-copy, opt-out or other consumer requests available for these specialty reporting sources.
- Innovis Freeze + Report
- ChexSystems Freeze + Report
- NCTUE NEW · Freeze + Report
- LexisNexis Freeze + Report
- SageStream Freeze + Report
- CoreLogic Teletrack Freeze + Report
- Clarity Services Freeze + Report
- FactorTrust Freeze + Report
- MicroBilt Freeze + Report
- DataX Freeze + Report
- Verisk A-PLUS Property NEW · Report request
- Insurance Information Exchange (iiX) NEW · Report request
- LCI Discontinued: info only
When my LexisNexis consumer report arrived in the mail, I expected a page or two. Instead, I got a thick stack of pages, years of my personal history laid out in black and white. Addresses I’d forgotten. Financial details. All of it quietly collected without me ever agreeing to it, then sold to whoever was willing to pay for it. I got nothing. I had no say. That felt wrong.
I froze that file the same day. Then I started digging, and what I found made it worse: LexisNexis is just one of dozens of consumer reporting agencies building profiles on all of us, including ChexSystems, CoreLogic, SageStream, and Innovis, each one another door left wide open. Freezing all of them isn’t simple. It means separate requests, separate portals, separate headaches, agency by agency.
That’s why I built FreezeReports.com, so nobody else has to feel that same gut-punch of powerlessness, or lose a weekend chasing down a dozen different companies just to protect their own information. You deserve control over your data. This is how I help you get it back.
Why freezing beyond the Big 3 matters
Specialty reporting agencies may hold data tied to your banking history, identity, insurance applications, and rental history - and most consumers have never reviewed or frozen those files.
Hidden consumer files
Agencies like ChexSystems, LexisNexis, and Innovis maintain specialty consumer data files that most people don't know exist - and have never reviewed.
Added protection against fraud
Where a security freeze is available, it can add another layer of defense against identity theft and unauthorized account openings beyond the traditional big-three freeze.
See what's in your file
Consumer disclosure rights vary by company and applicable law, but many specialty reporting companies provide consumers a way to request their file. Reviewing the report can help you see what information is actually being maintained.
How it works
Choose the level of help you want, pay securely, then complete one secure verification step so we can prepare your requests.
Choose your package
Start by selecting the service level that fits your needs - from a printable DIY packet to our fully done-for-you option.
Complete your order
Pay securely by card or PayPal. After payment, you are taken to our secure verification process for the information and documents the agencies require.
We prepare your requests
We use your verified information to prepare the applicable freeze and consumer-report requests. Choose Done For You and we handle printing and mailing as well.
Need help correcting a specialty report rather than simply freezing it?
Identity theft, inaccurate information, duplicate files, legal-name issues and unsuccessful disputes may require a closer review and a customized strategy.
Your time is valuable. We make the paperwork easier.
You can request many consumer reports and security freezes directly from reporting agencies at no charge. Our paid assistance saves you the research, forms, organization, and, depending on your package, the printing, mailing, and follow-up work. We prepare request letters for every active agency listed in our service. LCI is discontinued and is not part of the active letter service. The type of request depends on what each agency offers.
Simple, transparent pricing
Three packages designed for different levels of help. Choose your service level, pay securely, then complete the secure verification step. No hidden fees.
Not sure which plan is right for you? Schedule a free consultation →
Consumer reporting agencies we cover
These companies and specialty reporting systems may hold data used for banking, credit, identity verification, telecom, utilities or other consumer decisions. Depending on the agency and applicable law, consumers may have rights to request a disclosure, security freeze, opt-out, dispute, fraud alert or other file control.
Innovis
Often called the "fourth bureau." Operates like Experian, Equifax, and TransUnion and may be used by some lenders during credit evaluation.
Learn about Innovis freezes →ChexSystems
Used by banks and credit unions when evaluating new checking or savings account applications. A negative record can prevent you from opening a bank account.
Learn about ChexSystems freezes →NCTUE
The National Consumer Telecom & Utilities Exchange maintains specialty telecom and utility consumer data. Consumers can request their report and place a security freeze.
Learn about NCTUE reports & freezes →Clarity Services, Inc.
A specialty reporting agency focused on alternative financial data - often used by payday and installment lenders outside the traditional bureau system.
Learn about Clarity Services →LexisNexis Risk Solutions
A large data aggregator that may compile public records, identity data, and consumer information used in insurance, identity verification, and tenant screening.
Learn about LexisNexis freezes →SageStream LLC
A specialty consumer reporting source associated with identity and risk data, often used in financial services and fraud prevention contexts.
Learn about SageStream freezes →CoreLogic Teletrack
Often linked to alternative credit and small-dollar lending data. Used by payday, auto, and installment loan lenders in their underwriting process.
Learn about CoreLogic Teletrack →FactorTrust, Inc.
A specialty data source associated with consumer financial behavior, often used in underwriting for non-prime or thin-file consumers.
Learn about FactorTrust →MicroBilt, Inc.
Used in credit, risk, and screening contexts by lenders and businesses operating outside the traditional bureau ecosystem.
Learn about MicroBilt →DataX
A specialty reporting source used in some lending and consumer screening contexts, particularly in alternative and non-prime financial markets.
Learn about DataX →Verisk A-PLUS Property
Insurance claims and property-loss history reporting. Learn how to request and review your file; this is not a credit freeze.
Learn about A-PLUS Property →Insurance Information Exchange (iiX)
Motor-vehicle records and related employment or insurance screening. Report access and disputes differ from a security freeze.
Learn about iiX →LCI (discontinued)
LCI is now part of G2 Risk Solutions. Its bankruptcy-data operation does not issue consumer credit reports or process security freezes. Historical information and next steps remain available.
Why LCI service was discontinued →Renting? Tenant screening companies like SafeRent, RentGrow and First Advantage keep their own files on you. See our tenant screening reports guide.
From the FreezeReports Blog
Consumer protection guides, freeze walkthroughs, and tips on understanding your rights under the Fair Credit Reporting Act.
Frequently asked questions
Common questions about credit report freezes, security freezes, and how our service works.
Ready to simplify your specialty consumer report requests?
Choose your package first, pay securely, then complete the secure verification step. We’ll use that information to prepare your requests and handle the rest based on the service you selected.