They are barely known, almost no one uses them, and if the creditor is reporting ONLY to them, then you will not gain any benefit of your credit history this way, you should dump them or ask that they report to all the major 3 as well. Is it safe t assume you are in the midwest somewhere? The only reason I can think that they would report to Innovis at all. I pulled my report with them and they have so many wrongs on there that seem to be coming straight out of Experian or something, I have disputed with them and they take 2 days and then come back with some bull reason and they seem to not care they are violating the FCRA, I guess they figure they are so unknown that no one would care to push the matter legally.