@Boragard wrote:Good morning My Fico Community!
I have a question regarding freezing your Innovis credit report.
Are there any downsides to freezing this report?
I'm asking because I already have my ARS & IDA reports frozen, and I know having those frozen won't hurt the likelihood of approvals of credit. However, I was unable to find any information regarding a frozen Innovis report. I just sent in a request on Wednesday. I was just wondering if I can leave the freeze on indefinitely like I have on ARS & IDA. I'm done applying for credit for a while but just wanted to know for the future.
Thanks!
I see no reason your cant put it on ice if you wish, this report is rarely used by creditors for credit cards, Cap-1 may sometimes pull it, Innovis doesnt provide any Fico score either.
@Boragard wrote:
@gdale6 wrote:
@Boragard wrote:Good morning My Fico Community!
I have a question regarding freezing your Innovis credit report.
Are there any downsides to freezing this report?
I'm asking because I already have my ARS & IDA reports frozen, and I know having those frozen won't hurt the likelihood of approvals of credit. However, I was unable to find any information regarding a frozen Innovis report. I just sent in a request on Wednesday. I was just wondering if I can leave the freeze on indefinitely like I have on ARS & IDA. I'm done applying for credit for a while but just wanted to know for the future.
Thanks!
I see no reason your cant put it on ice if you wish, this report is rarely used by creditors for credit cards, Cap-1 may sometimes pull it, Innovis doesnt provide any Fico score either.
If its not used for credit cards, what else is it used for? Auto loans? Mortgages? This is their primary, they compile tri merge reports. If you look at a copy of your Innovis report it looks like the big 3...
@Boragard wrote:
@gdale6 wrote:
@Boragard wrote:
@gdale6 wrote:
@Boragard wrote:Good morning My Fico Community!
I have a question regarding freezing your Innovis credit report.
Are there any downsides to freezing this report?
I'm asking because I already have my ARS & IDA reports frozen, and I know having those frozen won't hurt the likelihood of approvals of credit. However, I was unable to find any information regarding a frozen Innovis report. I just sent in a request on Wednesday. I was just wondering if I can leave the freeze on indefinitely like I have on ARS & IDA. I'm done applying for credit for a while but just wanted to know for the future.
Thanks!
I see no reason your cant put it on ice if you wish, this report is rarely used by creditors for credit cards, Cap-1 may sometimes pull it, Innovis doesnt provide any Fico score either.
If its not used for credit cards, what else is it used for? Auto loans? Mortgages? This is their primary, they compile tri merge reports. If you look at a copy of your Innovis report it looks like the big 3...
Sorry, this may be very straight forward. But what is tri-merged? you mean like its a combiniation of 3 reports from the big 3?
Yes a tri merge report is one that is a combination of the info from the 3 CRAs all rolled into 1.