RiskView Liens & Judgments Report

The LexisNexis^® RiskView™ Liens & Judgments Report returns a report that contains details about lien and judgment records that are associated with a consumer.

Report and Results Elements and Icons

Reports and results contain elements that provide information to help you complete additional research actions.

For a list of possible elements, see Report Element Descriptions.

For a list of possible icons, see Report and Result Action Icons.

You may see risk indicator flags. Risk indicator flags indicate a potential risk that may need further investigation. For information about risk indicator flags and other informational icons, see Informational and Risk Indicator Icons.

Report Section Descriptions

The following table contains descriptions for each section of the report.

Subject has the same meaning as consumer.

Report Section Descriptions

Section

Description

Header Information

This section provides general information about the report.

Generated On: This line displays the date and the time when the report was generated.
Search Terms: This line displays the search terms that you entered into the search form.
Report Created For: This line displays who the report was created for.

Report Summary

This section provides a summary of the consumer report content that is returned for the subject. Red double triangles indicate the presence of derogatory information.

Consumer Statements

This section is returned only when one or more statements are added to the subject’s file, by the subject, regarding a dispute about the data that is in their file. A file-level statement or a record-level statement can be returned.

A file-level statement is made, by the subject, regarding their entire consumer report.
A record-level statement is made, by the subject, regarding a particular record (for example, a bankruptcy record).

Alerts

The RiskView Liens & Judgments Report returns alerts to highlight regulatory notices or score exception conditions on a subject’s file. Because of state or federal law, some conditions may restrict the return of a RiskView Liens & Judgments Report.

The RiskView Liens & Judgments Report may return the following alerts:

Security Freeze On File

The subject requested a security freeze on their file.

In collection scenarios that are not related to debt, state laws prohibit the return of a RiskView Score Report result.

Security Fraud Alert On File

The subject placed a security fraud alert on their file. Other RiskView Report content may return as part of the result when this alert is on file.

Consumer Statement On File

The subject placed one or more dispute statements on their file either at a file level (concerning the entire consumer report) or at the record level (concerning an individual record).

Insufficient Verification To Return A Consumer Report Under State Or Federal Law

LexisNexis^® Risk Solutions is unable to generate a RiskView Score Report result for the subject because of insufficient verification of input data.

Subject Reported As Deceased

LexisNexis Risk Solutions is unable to generate a RiskView Score Report for the subject because the subject is identified on file as deceased.

Identity Not Found

LexisNexis Risk Solutions was unable to generate a RiskView Liens & Judgments Report result because there is insufficient data available on file to generate a report for the subject.

Lien Records

This section returns public record filing information about lien records as reported for the subject from civil and federal courts.

The following record types return in this section:

Tax Lien: A tax lien is imposed by legal action on a property that is owned by the subject to secure the payment of taxes. A tax lien may be imposed for delinquent taxes that are owed on real property or personal property or as a result of the failure to pay income taxes or other taxes. Public records of tax liens can include federal, state, county, and local government imposed liens.
Other: Lien or judgment records that are not categorized as one of the specified record types return as Other. For more information about other records, see the report Description field.

Judgment Records

This section returns public record filing information about tax lien, court judgment, and landlord/tenant cases from civil courts and federal courts that are associated with the subject.

The following record types return in this section:

Civil Judgment: A civil judgment is a ruling against the subject in a court of law that pertains to non-criminal matters. A civil judgment often requires the payment of damages that exceed the small claims court limits. A civil court judgment record indicates that the subject was sued and that the court filed a judgment that required monetary reparations to satisfy the judgment.
Landlord/Tenant Dispute: Landlord/tenant cases are court judgments against the subject that are initiated by a landlord as the result of non-payment of rent. A landlord/tenant case is an important legal step in the process to evict a tenant from a rental property. The judgment does not necessarily mean that the tenant was physically evicted from the premises, because the tenant would have the right to pay the rent to current status (and other costs) to remain on the premises. Any future instance of non-payment of rent could result in a new filing for a landlord/tenant case. A repeat offender may have multiple landlord/tenant cases that involve the same landlord and rental property.
Small Claims Judgment: Small claims judgments are typically monetary judgments that are filed against a defendant as a result of losing a lawsuit. The dollar limit for small claims court filings varies by state, but it is typically from $5,000 to $10,000. A small claims judgment record indicates that the subject was sued, and the court filed a judgment that required monetary reparations to satisfy the judgment.
Other: Judgment records that are not categorized as one of the specified record types return as Other. For more information about other records, see the Description field.