What exactly is Innovis? I had a credit repair person helping me a few years ago, and all of his inquiries were through this CB INNOVIS. I did not know they were hard pulls but I guess they were. What is the background on this Innovis and was it a bad thing to be associated with it?
This person was referred to me from a friend so I kind of trusted him, but looking back on it, I could have done what he did myself. He charged me around $ 1,000. I think he basically verified some accounts and that was about it. He also negotiated a settlement with a CC I had that was charged off. He told me to pay him and he would buy a money order and send to the company. He said he did it but the CC company had no record of it so I wound up paying twice to settle that debt.
This was a few years ago when I started cleaning up my credit. My scores at that time were in the 580 range. After alot of hard work, persistence,etc., my scores are now, EQ- 786 and TU- 775.
As you'll know it was some painful lessons to have to learn. Of course now I am obsessed with my credit scores and probably spend too much money on Score Watch and buying my Fico scores fairly often.
Did I hear that there are coupons somewhere to buy the my fico scores?
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