topic Innovis Credit Report in General Credit Topics

Innovis Credit Report

CreditPlay — Sun, 12 Oct 2014 19:15:53 GMT

In one of my previous communication with BofA, they mentioned about Innovis credit report. So i went to their site and ordered a copy of my annualcredit report. It dont even have half of my accounts, it has my bofa, target and alliant accounts only. Curious anyone pulled their Innovis report ? Are there any chance they become the 4th bureau?

Re: Innovis Credit Report

Anonymous — Sun, 12 Oct 2014 19:22:18 GMT

Pulled mine two weeks ago and it had all my creditors and other information besides. How many credit bureaus do we have to monitor?

Re: Innovis Credit Report

CreditPlay — Sun, 12 Oct 2014 19:25:34 GMT

Did you see chase, discover, amex in your report?

Re: Innovis Credit Report

Anonymous — Sun, 12 Oct 2014 19:33:13 GMT

Yes. Oh, don't have an AX.

Re: Innovis Credit Report

CreditPlay — Sun, 12 Oct 2014 19:41:58 GMT

@Anonymous wrote:
Yes. Oh, don't have an AX.

Interesting! Now I am wondering why my chase , discover TLs are not reported

bigger question is do I really need to go behind the creditors to fix this?

Re: Innovis Credit Report

Anonymous — Sun, 12 Oct 2014 19:53:12 GMT

You know today we have Equifax, Experian, Trans Union, Innovis, LexisNexis and ChexSystems. Until I got through working them all over they did not all match. Truth, if it were not for myfico.com I did not know they even all existed. It seems to not have affected my credit or insurance. However, I decided to get after all six and reporting the same. It took three and half months but I got it done. Doubt it is that important. Many kinds of insurance for auto and home seem to like LexisNexis and banks pull ChexSystems when opening new accounts (sometimes) so I figured what the heck I would update all of them.

Re: Innovis Credit Report

Cstone87 — Sun, 12 Oct 2014 21:54:06 GMT

anyone pulled ARS, LSI, Credco, IDA, Accurint, or NETCU?

Re: Innovis Credit Report

CreditPlay — Mon, 13 Oct 2014 00:16:09 GMT

@Cstone87 wrote:
anyone pulled ARS, LSI, Credco, IDA, Accurint, or NETCU?

What are these ?

Re: Innovis Credit Report

Cstone87 — Mon, 13 Oct 2014 03:01:52 GMT

Advanced Resolution Service is a Visa owned CRA that keeps track of every application you make for a Visa Card. They store your IP address, the location of where you applied, etc. You can request your report, and freeze it for free (Chase and US Bank love to pull it) by writing to 5005 Rockside Road, Suite 600 Independence, OH 44131

You can call them at 8003928911

IDA Also specializes in some sort of algorithm but has a plethora of personal data, like LN. You can write or fax them at

1. A written request with signature that includes the following information:

First name, middle name, last name, suffix (if applicable)
Current address including ZIP code
Current phone number with area code
Social Security number
Date of birth (month, date and year)

2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1:

Current state-issued driver's license or other current Government issued identification (such as a passport)
Recent cable, utility or phone statement, produced 60 days ago or less
Social Security card
Birth certificate
U.S. passport picture page
Alien registration card
Voided personal check with your current preprinted address

Send your request to us at:

Secured fax:
(858) 312-6275

Postal mail:
IDA, Inc. Consumer Office
P. O. Box 503793
San Diego, CA 92150

Lakeside is the ARS for Mastercard, they have the exact same address so it seems ridiculous but you will have to write two letters one to ARS the other to Lakeside.

Credco, mostly used in Mortgage Applications but also now used in other proprietary systems, its thought that AMEX and Chase use a sophisticated algorithm that runs data through specific medians of cardholders. Thus those you end up getting flagged for review. The CFPB, has warned these "speciality" CRAs to issue annual reports when the consumer rquest. I strongly urge everyone do so. Half of your most inimiate and private matters are on the systems.Consumer Assistance
(800) 637-2422-Corelogic/Credco explain you want your FULL FILE DISCLOSURE.

Axciom is the most nefarious of them all. They have more data then LN, they will send you a report if you verify through a check signed void with your current address. You can write them. You must separately mail your $5.00 personal check, made payable to Acxiom at the following address:
Acxiom
Consumer Advocate
CWY0302-1
P.O. Box 2000
Conway, AR 72033

The list is long......Teletrack, Certgy, Teletrack, EzFund, etc. New ones pop up. The CFPB list each of them every year.

Hope this helps request away

Re: Innovis Credit Report

Cstone87 — Mon, 13 Oct 2014 03:08:45 GMT

http://files.consumerfinance.gov/f/201207_cfpb_list_consumer-reporting-agencies.pdf

That is the master list of speciality agencies from the United States Government-Consumer Financial Protection Bureau/Who's enforcement power lies in the Justice Department (USDOJ) who has sued and continues to do so, companies and entities that do not comply with CFPB rules or Dodd-Frank.

Re: Innovis Credit Report

Imperfectfuture — Mon, 13 Oct 2014 08:03:08 GMT

Bookmarked this thread, had already ordered my innovis report (chexsystems should be clean).

Was going to do the ars/Ida thing, didn't know about lakeside, wouldn't the same phone number work for the same address? Shall find out.

Though axiom owns ars (they come up together in google searches). Pretty easy to call chexsystems and see if they have anything on file (I did that a few years ago.

Is teletrac the same thing as telecheck? I'll get to all of them eventually. I love how many (like ars) suggest they don't have to comply with the 7 year rule. Think capital one uses these guys too. I know they use innovis, since they told me they report to innovis.

Re: Innovis Credit Report

Kenny — Mon, 13 Oct 2014 10:55:27 GMT

Thank you! Ordered this just now.

Re: Innovis Credit Report

Anonymous — Mon, 13 Oct 2014 15:36:51 GMT

Unreal. How does a person keep everyone up to date?

Re: Innovis Credit Report

CreditPlay — Wed, 15 Oct 2014 03:39:01 GMT

So I sent a SM to chase and they said they report to TU,EX and EQ and ask me to check my credit reports from each bureau, looks they wont report to Innovis

@Wanderer : How did you get them to report your chase tradelines ?

Re: Innovis Credit Report

Anonymous — Wed, 15 Oct 2014 08:05:38 GMT

CreditPlay - all of my creditors reported on their own. Have one that only reports to two bureaus (they have that option). My accounts with Chase hit 2005/2006 for age.

Re: Innovis Credit Report

Cstone87 — Wed, 15 Oct 2014 08:27:12 GMT

no ARS Is owned by Visa. formally known as ISC. Microbilt and L2 are nefarious too. request copies chase checks L2. Talx request if you have AMEX that is the first income they use. if you misstate likely leads to fr yet no member on myfico addresses nor brings this up. too concerned with approvals banks have producbrinfsts you would be shocked. MIB had every prescription obtained. id request every single one . CFPB has warned and sued them. if they deny Ur report file a complaint with the CFPB!

Re: Innovis Credit Report

CreditDunce — Wed, 15 Oct 2014 14:21:43 GMT

Why can't all of the minor CRA's be added to annualcreditreport.com. It seems to me that would be a much better way for consumers to request their reports. I am sure the minor CRA's don't want the exposure. But it is something the CFPB should push for.

Re: Innovis Credit Report

Cstone87 — Wed, 15 Oct 2014 22:36:14 GMT

They are, and prior to the CFPB consumers had no idea. Because DODD-FRANK gave it considerable power by making it a independent agency within the DOJ and federal reserve. It's rule making is broad. If you preview once and while, hit news, director is hammering the data brokers who say they are FCRA exempt. The CFPB has promised a resolution on the matter soon. With the litany of civil enforcement actions they are busy. Utilize them though, they make the democratization of credit literacy more effective than many "places". They do so appropriately not conjecture or sophistry. get all your reports verify they are accurate and freeze them. No reason in this era of rampant fraud not to.

Re: Innovis Credit Report

Involver — Wed, 15 Oct 2014 22:36:29 GMT

Have ARS, Innovis and IDA reports (and they are now frozen), also Lexisnexis (but could not freeze). Too many opportunities for (mis) information to be bought and sold.

Re: Innovis Credit Report

Cstone87 — Thu, 16 Oct 2014 08:26:59 GMT

Lexisnexis makes it onerous purposely to freeze/opt out : write them a short letter explaining the data breaches and feel having it unlocked is a entendre and actually promotes misuse of your information. Write it if they don't comply file a CFPB complaint they are dying for more data miners who sent consumers away. Collectively things can be changed.