How to remove yourself from Clarity Services
What they publish
In their words, "Experian's Clarity Services specializes in alternative financial services data and solutions. Clarity's suite of FCRA-regulated reports and scores give lenders visibility into critical subprime consumer information, including the thin-file and no-file consumer segments." The CFPB entry details the data: "payday loans, installment loans, auto loans (and leasing), check cashing services, rent-to-own transactions, telecommunication account openings, and financial services with an emphasis on the lower-income and subprime consumer market segments." Buyers are lenders: "If Clarity Services appears on your credit report, it is because we received a credit inquiry for you and provided a Clarity credit report." This is a consumer report: there is no opt-out from the file itself. The rights are a free annual disclosure ("Clarity report"), a free score, a security freeze, dispute, and a prescreen opt-out
Removing yourself, step by step
0 of 4 done- Request the free Clarity report (file disclosure) at https://www.clarityservices.com/support/file-disclosure/ via the "Request My Clarity Report" button (https://consumers.clarityservices.com/reports), or "download and complete the form below ... please send it to our mailing address": Clarity Services, Inc., a part of Experian, Consumer Support Division, PO Box 16, Allen, TX 75013. Phone (866) 390-3118, "Monday – Friday 9am – 5pm EST" (CFPB entry: "Option 4 for report request").
- Place a security freeze at https://consumers.clarityservices.com/securityFreeze from https://www.clarityservices.com/support/security-freeze/, or mail/fax the "Security Freeze Request" PDF. Phone: (866) 390-3118 (CFPB entry: "Option 1 for security freeze"). Keep the confirmation; this is separate from any Experian freeze.
- Opt out of prescreened offers at https://consumers.clarityservices.com/prescreenOffer from https://www.clarityservices.com/support/opt-out-2/, choosing "5-years or ... permanently", or mail/fax the "Prescreen Opt-Out Request Form".
- Dispute any inaccurate item by phone or mail to the Allen, TX address — no dispute web page exists (
/support/dispute/is 404); the CFPB entry states "Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute." Removal of accurate items is not available.
Tap a step to tick it off. Progress is saved in this browser only.
How they confirm it
The portal form fields are behind JavaScript and were not read. The privacy policy states what identifies a consumer: "Information such as your Social Security Number, date of birth, and driver's license number(s) are used to uniquely identify you when required." The mail route uses the PDF forms "Security Freeze Request" (https://www.clarityservices.com/wp-content/uploads/2024/02/Security-Freeze-Request-2.3-5.22.pdf), "Temporarily Lift or Permanently Remove a Security Freeze Form" (https://www.clarityservices.com/wp-content/uploads/2024/02/Temporarily-Lift-or-Permanently-Remove-a-Security-Freeze-Form-2.2-5.22.pdf), "Prescreen Opt-Out Request Form" (https://www.clarityservices.com/wp-content/uploads/2024/02/Prescreen-Opt-Out-Request-Form-2.5-5.22.pdf) and "Clarity Report Request" (linked from the file-disclosure page); the PDFs' field lists were not opened
If they ignore you
CFPB complaint (consumerfinance.gov/complaint); state AG; FCRA §611 dispute rights; private right of action under FCRA §§616–617
Re-listing risk for this site: High — a CRA keeps receiving data from subprime lenders; a freeze restricts access, it does not stop furnishers reporting into the file, and the 5-year prescreen opt-out expires unless made permanent. "Clarity does not make approval or denial decisions for any type of credit."
Common questions
How do I remove myself from Clarity Services?
Use Clarity Services's opt-out page (clarityservices.com/support/security-freeze). The guide above lists 4 steps, and this page writes the removal request for you to send from your own email.
Will my information come back on Clarity Services?
High — a CRA keeps receiving data from subprime lenders; a freeze restricts access, it does not stop furnishers reporting into the file, and the 5-year prescreen opt-out expires unless made permanent. "Clarity does not make approval or denial decisions for any type of credit.". Check again in about 60 days.