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Ordered my Innovis report..

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Contributor

Ordered my Innovis report..

And to my horror, they're still reporting a tradeline that I had to take Discover to court over to get removed. Discover sent me a certified letter stating that the tradeline would be removed from all credit agencies, but I guess that didn't include Innovis. I find it a weird they don't report my Capital One card.. at all.. 

 

Moral of the thread, order your secondary consumer reports.. 

 

Screenshot 2019-08-13 at 12.29.53 PM.png

Screenshot 2019-08-13 at 12.33.13 PM.png

Open LOC:
Paid-off Installment Loans:
2018:
2019:
Message 1 of 5
4 REPLIES 4
Regular Contributor

Re: Ordered my Innovis report..

Thing I am kind of wondering is no bank looks at that report that I know of. I have never seen anything on Innovis being an issue blocking people from getting a card from somewhere. What does Innovis even do besides have a credit record on you that no one even looks at?
Message 2 of 5
Contributor

Re: Ordered my Innovis report..

PPMC pulled Innovis.
Open LOC:
Paid-off Installment Loans:
2018:
2019:
Message 3 of 5
Community Leader
Senior Contributor

Re: Ordered my Innovis report..

Thanks so much for sharing OP. 

GOALS: Garden til APR 2020 and 800 Club

GIRL WILLPOWER ("No Thanks" to Apple $7.5K, 12.99% Approval)


JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4 of 5
Community Leader
Super Contributor

Re: Ordered my Innovis report..

Some lenders will pull secondary CRA such as Innovis, Sage Stream etc for this precise reason. Often enough they will have items not present on three major CRAs, and  provide better insight at applicat's finances. 

 

While there is nothing wrong with them doing that, it's a good idea to get copies of those reports too, in case there are inaccuracies present 

EX 754 EQ 773 TU 752
Message 5 of 5
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