UCG Secondary Bureau Freeze Program

Protect the Files Most People Don’t Know Exist

Freezing the three major credit bureaus may only be part of protecting your consumer profile. The UCG Secondary Bureau Freeze Program walks you through the specialty consumer-reporting files connected to banking, utilities, employment and income verification, public records, alternative lending, and other financial decisions.

This practical step-by-step digital guide covers 12 secondary bureaus and data sources, including LexisNexis/SageStream, Innovis, ChexSystems, NCTUE, Clarity Services, Teletrack, FactorTrust, The Work Number, Early Warning Services, and CoreLogic Credco/Cotality, along with the three nationwide credit bureaus and prescreen opt-out process.

Inside, you'll learn what these agencies collect, which ones offer freezes, where to request disclosures, what documentation to prepare, and when a frozen file may need to be lifted before applying for banking, housing, utilities, employment verification, insurance, or financing.

The program also gives you a clear working sequence: pull your files, review them, dispute inaccurate information, place applicable freezes, securely record your PINs and confirmation numbers, and periodically verify your protections.

Important: A security freeze does not erase negative information or increase a credit score. Its purpose is to restrict access to a consumer file and help reduce the risk of certain new-account fraud.

Digital Download • Step-by-Step Instructions • Action Checklists • UCG Credit Restoration Series

Take control of the consumer files operating behind the scenes.

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