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Instead of opting out of these, a better idea would be to fill them up with fake info if that were possible. Like some other comments mentioned, you're confirming the data for them when you fill out these forms.

Lexis Nexis is a major one and only lets you opt out under unique circumstances that will not apply for most people.

Anyone have good sources on where these companies pull their data from?

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Not sure if how much external consumer data the credit rating agencies use, but I can't help but think of the possibility of repercussions to your credit.

I've been in a years-long dispute with Transunion over my credit due to incorrect data they have on my financial history, all because my SSN became tied to another person in their records. No malicious intent was ever found, but it hasn't stopped them from wrecking my credit.

Fake data makes sense in some of these cases, but trying to pollute your records with the credit agencies seems like a really bad idea based on my experience dealing with them.

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