...I am wondering which lenders are using Innovis reports...
Out of the dozens and dozens of apps in the last several years, Innovis was never mentioned. Even after jumping into the realm of credit and applying, I too ordered my Innovis report. There was only one inquiry. Only 20% of my TLs reported.
I just received my ChexSystems credit report. There is no data on their file except my personal information.
ChexSystems is only for bank accounts gone south, account abuse that sort of thing. If you never had anything like that there won't be anything on your report. Some banks don't use them and ChexSystems deletes after 5 years.