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Question for the Money Doctors

Question submitted on Apr 9, 2022.

Question

I'm a U.S. citizen living overseas. My U.S. credit report results are "You have no accounts reported."

Is there any way that I can use this to my advantage?

Answer

The good news is that nothing bad is on your credit reports. The bad news is that nothing good is on your credit reports either.

My suggestion would be to first, get all your credit scores. More than likely they will be low as there is nothing good. 

Based on you score freeze the outside sources (do the below):

Credit Freeze

 

Each company below searches the internet for data regarding you. Then they sell that data to the credit bureaus. This is how the credit bureaus get information that is not reported directly to them (such as a credit card or a mortgage or n auto loan.)

The best thing to do is to FREEZE these companies.

 Lexis Nexis

1.     Go to the website below:

https://optout.lexisnexis.com

2.     Simply fill out the form to opt-out. 

3.     When this is done, they will stop selling your information to the credit bureaus.

 Sage Stream 

1.     Go to the website below:

https://www.sagestreamllc.com/opt-out-opt-in/

2.     Simply fill out the form to opt-out. 

3.     When this is done, they will stop selling your information to the credit bureaus.

Logic Credco

1.     Go to the website below:

https://teletrackfreeze.corelogic.com

2.These idiots want a government issued ID (driver’s license with your address on it), a copy of your utility bill, (if the utility bill is not under your name send them a bank statement and explain. The same if you don’t drive.

 3.     When this is done, they will stop selling your information to the credit bureaus. 

 Advanced Resolution Services, Inc

1.     Go to the website below:

https://www.ars-consumeroffice.com/remove

2.     Simply fill out the form to opt-out. 

3.     When this is done, they will stop selling your information to the credit bureaus.

 

 

Microbilt

1.     Go to the website below:

https://www.microbilt.com/contact-us

2.     Simply fill out the form to opt-out. 

3.     When this is done, they will stop selling your information to the credit bureaus.

Innvovis

1.     Go to the website below:

https://innovis.com/securityFreeze/index

2.     Simply fill out the form to opt-out. 

3.     When this is done, they will stop selling your information to the credit bureaus.

LCI Consumer Care

1.     Go to the website below:

customerservice@lci1.com

2.     Simply fill out the contact them portion instructing them to freeze your credit andconfirm it via your email

3.     When this is done, they will stop selling your information to the credit bureaus.

Consumers Clarity Services 

1.     Go to the website below:

https://consumers.clarityservices.com/idv?type=PLACE_SECURITY_FREEZE

2.     Simply fill out the contact them portion instructing them to freeze your credit and confirm it via your email

3.     When this is done, they will stop selling your information to the credit bureaus.

ARS-Consumer Affairs

1.     Go to the website below:

https://www.ars-consumeroffice.com/remove

2.     Simply fill out the contact them portion instructing them to freeze your credit 

3.     When this is done, they will stop selling your information to the credit bureaus.

After that search the internet and since you know your credit scores, apply for them very slowly. Make some charge whatsoever and pay it off immediately). Over time you score will increase on every credit bureau.


For additional information visit //www.360financialliteracy.org/

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