topic Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau) in General Credit Topics

You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Fri, 27 May 2016 21:58:54 GMT

I just received my innovis credit report today and I saw Barclays actually pull innovis on me when I applied for their card 4 months ago...... So they pulled Experian and Innovis on me lol....... Right now Capital one and Walmart are the only cards reporting on my Innovis and am even surprised to see them reporting to innovis because we don't really hear much about them. We only hear transunion, equifax and experian all the time. 🙄

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

mitchblue — Fri, 27 May 2016 23:15:01 GMT

Never heard of Innovis. Are they knew?

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

GoldSorata — Fri, 27 May 2016 23:24:53 GMT

They aren't new but not used very much. Cap one and us bank look at them sometimes

https://www.innovis.com/personal/creditReport

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Fri, 27 May 2016 23:29:45 GMT

Is innovis a CRA? I always though they just provide reports to people based off information they pull from the big 3 cra's.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Fri, 27 May 2016 23:30:12 GMT

Discover uses them.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

GoldSorata — Fri, 27 May 2016 23:34:09 GMT

Yes they are a CRA, see the link I posted and you can request your report.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Sat, 28 May 2016 12:23:30 GMT

Thank you for the information.

I went to their website and ordered my report.

They send you an email after you do their on line request and will be mailing my report.

Thank you again.

Curious what shows in this report... and if they do a score like the 3 biggies.?

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Sat, 28 May 2016 12:48:48 GMT

They don't provide credit score they only provide credit report

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Sat, 28 May 2016 14:03:41 GMT

@Anonymous wrote:

Thank you for the information.
I went to their website and ordered my report.
They send you an email after you do their on line request and will be mailing my report.

Thank you again.
Curious what shows in this report... and if they do a score like the 3 biggies.?

can't you signin to their site? I can't seem to figure it out. I did order one though

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Sun, 29 May 2016 04:14:46 GMT

We just got ours last week and surprise! Nothing wrong on it. I seen all of the ones that pull it. Going to ice it next week. There's still a few out there we're waiting on. Just making sure they're no errors and will ice them all. I have a total of 4 right now that I know about.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

RonM21 — Sun, 29 May 2016 17:00:55 GMT

I knew about Innovis and actually requested a report from them just because, when I found out about them a few years back. But I didn't realize lenders were pulling them. Interesting.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Anonymous — Mon, 30 May 2016 02:25:35 GMT

Is this where hidden TL's go to hide?

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

MyLoFICO — Mon, 30 May 2016 12:28:04 GMT

@Anonymous wrote:
Is this where hidden TL's go to hide?

Like Voldemort. The Bureau that must not be named!

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

MyLoFICO — Mon, 30 May 2016 12:31:13 GMT

I requested mine. Be my luck even they will show 30 inquiries as well.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

elim — Mon, 30 May 2016 13:16:03 GMT

freeze IDA / ARS

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

EW800 — Mon, 30 May 2016 14:37:34 GMT

I pull my Innovis report yearly (last four years anyway), with the last time being about a month ago. Zero HP's and zero SP's. I was a bit surprised that there was not even a single SP, given that about three-quarters of my trade lines appear in this CR.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

surferchris — Mon, 30 May 2016 19:03:26 GMT

@MyLoFICO wrote:
@Anonymous wrote:
Is this where hidden TL's go to hide?
Like Voldemort. The Bureau that must not be named!

lol

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Revelate — Wed, 01 Jun 2016 05:55:20 GMT

@EW800 wrote:
I pull my Innovis report yearly (last four years anyway), with the last time being about a month ago. Zero HP's and zero SP's. I was a bit surprised that there was not even a single SP, given that about three-quarters of my trade lines appear in this CR.

They're a data aggregator, I don't know how much data the lenders furnish to them directly.

They're also one of the big 3 tri-merge providers that I'm aware of in the mortgage space, Credco, CBC/Innovis, Kroll Factual Data.

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

takeshi74 — Wed, 01 Jun 2016 11:49:26 GMT

@Anonymous wrote:
We only hear transunion, equifax and experian all the time.

The big 3 are frequently discussed but discussion on the others isn't uncommon either. This has been posted in a number of prior threads:

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

GalaxyStars — Wed, 01 Jun 2016 21:27:38 GMT

I ordered mines just to take a look at whats there.

So far I'm not too concerned about then, unlest until people start getting Denials due to "Innovis Credit Report" lol, and then I have to worry.

I want to know more about how they are used.

Are they even a factor of approval for a loan or credit products? Basically how much does a creditor that pulls them base any decision on the report?