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..
Thanks so much for sharing OP.
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