Innovis Credit Report

[CreditCuriosity]

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So I have had a security Freeze on my Innovis credit report for quite a while, but finally requested a report...  I hate 4th party blood suckers... Anyways here is who reported on mine..

Infiniti Auto Loan - perfect 1.7 years

Navient aka sallie mae -- Positive perfect 10 years?

Verizon Wireless -- Baddie

MB Financial another auto loan -- positive - 4 years perfect

Both of my Commedity Accounts - positive 

Cap1 - 1 bad account - 1 bad account 

Firsst Premiere (Yuck!) - bad account

Barclay's - positive - 6 months perfect

BofA - positive - real esatate loan - perfect

Weird things is most of these accounts are positive three have baddies...  Such a third rate agency that is trying to get a piece of the pie....   Only about 1/8th of my TRUE EQ/TU/EX credit report.  Other reports I have 20 open tradelines...  I would say this is a bad sample size.. Either go all the way or get out of the business.  You can't reflect half or 1/8th of a persons credit.  Hence freeze this report people as it is useless.

Anyways, thought people might be intersted...

[Anonymous]

Personally, I'm hoping Experian will get kicked to the curb some day. It seems most creditors pull Exp and I'm tired of it.

[Anonymous]

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@CreditCuriousity wrote:

So I have had a security Freeze on my Innovis credit report for quite a while, but finally requested a report...  I hate 4th party blood suckers... Anyways here is who reported on mine..

Infiniti Auto Loan - perfect 1.7 years

Navient aka sallie mae -- Positive perfect 10 years?

Verizon Wireless -- Baddie

MB Financial another auto loan -- positive - 4 years perfect

Both of my Commedity Accounts - positive 

Cap1 - 1 bad account - 1 bad account 

Firsst Premiere (Yuck!) - bad account

Barclay's - positive - 6 months perfect

BofA - positive - real esatate loan - perfect

Weird things is most of these accounts are positive three have baddies...  Such a third rate agency that is trying to get a piece of the pie....   Only about 1/8th of my TRUE EQ/TU/EX credit report.  Other reports I have 20 open tradelines...  I would say this is a bad sample size.. Either go all the way or get out of the business.  You can't reflect half or 1/8th of a persons credit.  Hence freeze this report people as it is useless.

Anyways, thought people might be intersted...

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I ordered mine as well.  It's frozen now .

[Anonymous]

Hi Everyone,

I am new to the forum. This is a breakdown of my credit situation. I have been through some rough economic times and I am starting to get back on track. As of right now I have $2,300 to pay for a few credit cards. The question is what would be my best strategy for doing so to increase my FICO Score. Is it best to have a lower individual utilzation rate on a few of the credit cards (35-40% each) OR leaving one credit card at a 1-10% utilization rate (or paying it off completely) and any money left dispurse between other cards? Do these factors affect credit score or it ones credit score calculated on an overall credit card utilization rate?

Thank you!


Balance Interest Credit Limit

Best Buy Card: $1,386.47 @ 25.24% - $1,650

Wells Fargo Credit Card $ 636.90 @ 23.99% - $700

Discover Card $789.58 @ 22.99% - $800

Wells Fargo Platinum Card $939.83 @ 21.49% - $1,000

American Express $450 @ (Charge Card) - $500

Home Depot Card $0 @ 25.99% - $1,800

I do realize how bad my credit cards balances look at a creditors standpoint. Thank you in advance to anyone who can helo and give me good advice in telling me what you would do in my situation based on your knowledge.