Credlocity

Beyond the Big Three: Why Your Credit Repair Company Must Also Dispute LexisNexis, Clarity Services, and Other Specialty Credit Bureaus

Most consumers are unaware that over 400 consumer reporting agencies operate in the United States. While Equifax, Experian, and TransUnion receive the most attention, specialty bureaus including LexisNexis, Clarity Services, Innovis, CoreLogic, and ChexSystems are actively checked by insurance companies, fintech lenders, mortgage underwriters, and credit card issuers. A credit repair company that stops at the Big Three is leaving significant damage unaddressed. This guide explains which specialty bureaus matter most, who checks them, and what your rights are under the Fair Credit Reporting Act.

Beyond the Big Three: Why Your Credit Repair Company Must Also Dispute LexisNexis, Clarity Services, and Other Specialty Credit Bureaus Most credit repair companies only dispute with Equifax, Experian, and TransUnion. Learn why specialty bureaus like LexisNexis, Clarity Services, and Innovis affect your insurance rates, loan approvals, and financial future.

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An honest review from an awesome client

Jeremy S. — ⭐⭐⭐⭐⭐ Credit Repair Client Review | Credlocity Score improved from 448 to 710 (+262 pts) from Killeen, TX. "I can honestly say working with Credlocity was one of the best decisions I made for my financial future. My credit s..."

Our client Colin received great results this round! Very happy and proud to announce he is one step closer to getting the home of his dream!
Thank you so much to Shar Schaffeld for ensuring that his disputes were processed with skill and that we were able to achieve these results for the client.

Part 3 of The Ninja Files is live.
A software founder named Khabir spent two and a half years building CreditFixxr from scratch. 790 active users. A growing business. Then two people came in with a partnership pitch and a revenue claim of $50,000 per month.
He found out the truth when he was visiting them in Texas and sat down at their computer. Their Stripe account was still open. The real number for the entire year was under $100,000.
By the time they left, citing a family emergency, his user base had dropped 72 percent. One week after the emergency, they were at a tax conference launching new brands.
This investigation also documents Ashley Deal of Cape Credit Repair, who went on the record to address the false claim that Jeff and Lucia built her career. And it documents the response one woman received when she reported physical intimidation at industry events to a senior figure at MyFreeScoreNow:
"That sounds like a police and husband matter."
Three victims. One witness. The same playbook every time.
If you are a credit repair company owner, a software founder, or a consumer who has worked with Ninja Outsourcing, Ninja Automations, or Credit411, you deserve to know what has been documented.
Read the full investigation at the link below. And if you have a story to share, contact us at [email protected].
Full investigation:
https://www.credlocity.com/post/ninja-files-creditfixxr-infiltration-jeff-lucia-fraud
Part 4 is coming. It focuses on MyFreeScoreNow.

The CreditFixxr Infiltration: Jeff & Lucia's Partner Fraud Khabir spent two and a half years building CreditFixxr from scratch. By August 2022 he had launched a legitimate GoHighLevel-based software platform serving 790 active credit repair companies. Then Jeff Inniss and Lucia Corral called.