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if you have high car insurance due to um accident history lapses in auto insurance or driving record its Lexus Nexus that theyre getting the information from so listen this is what you can do get you an affidavit so here youre going to put Lexus nexuss name youre going to put the name and the of the policy carrier and the policy number of each account that you have listed on your Lexus Nex to record the affidavit takes care of all supporting um disputes inaccuracies with pulling everything out including Fair Credit Reporting Act violations everything is in the affidavit its short but sweet and Powerful points out all inaccuracies and this is all you need you get this thing notorized send it into the credit buos get your deletions get your car insance low