In a nut shell all you have to do is place a Freeze on your LexisNeiss credit report and Bankruptcies, Tax liens and other public records can not be verified.

Verification according to Black’s Law Dictionary is “… averment that the party pleading is ready to establish the truth of what he has set forth.” Also, it goes on to say, “The examination of a writing for the purpose of ascertaining its truth; or a certificate or affidavit that it is true.”

The court said “Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition.”McDonald v. Rosengarten, 134 111. 126, 25 N. E. ; and Summerfield v. Phoenix Assur. Co. (C. C-) 65 Fed. 296; and Patterson v. Brooklyn, 6 App. Div. 127, 40 N.Y. Supp. 581.

To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have first hand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does Lexis Nexis, the main public records source for the credit bureaus. If someone verifies but they don’t have first hand knowledge, then its not verification, its Hearsay. And hearsay is inadmissible and the court says its incompetent.

This is a major puzzle piece in figuring out how to go at the bureaus and get your public records removed.

Here is the strategy.

Credit bureaus usually obtain public records data from LexisNexis and not the court house as they claim.

Depending on the state of residency, it maybe possible to request a “security freeze” to be placed on specific data that LexisNexis maintains on you. Also, the report that generally contains up to seven years of personal-auto and personal-property claims history and called a CLUE report. It also Current Carrier reports that identifies the existence of current or previous insurance, and whether or not the applicant has had a possible lapse in coverage and the Riskview report that assess consumer creditworthiness and risk potential. All of these security freezes can be lifted at another time.

However there is stipulation: To file this report they may ask for Police report, a determination that you are a potential victim. This could be if a bank or store gets hacked and it would a great way to obtain this freeze.  All you have to do is call LexisNexis at 888-497-9172.