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The 4 credit card bureaus...

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Valued Member

Re: The 4 credit card bureaus...

I'm going to request mine. I only have 3 cards though , 2 are Capital One so if they use it, it should be there.

I did the "what is Innovis" google prior to posting, not the "who uses". Thanks for posting the shortcuts! 😀 I will scour the webs.

I typically search topics to death. I did not search "Innovis" specifically prior to posting, but after. There's a thread about it in March. But in all of the threads I did search prior, it didn't come up once. I thought it was interesting that a rep replied that they might use it. Hopefully if/when someone searches discover, this will come up for information purposes, whether it's common or not, valid or not- kwim?
Message 11 of 23
Moderator Emeritus

Re: The 4 credit card bureaus...

CreditGuyInDixie ... great list! In my research to put "freezes" on anything I could find my list grew to thirty-three different "Information Gathers" and "Credit Bureaus" by legal definition.

It became quite overwhelming to say the least. I stopped at the list you have set forth. Note, there is growing concern over the Medical Information Market place and there lack of availability to the consumer yet, they seem to share informational data with outside sources such as the Medical Information Bureau (our medical records in some cases) which may affect our lives related to insurances as an example (actually some insurance companies do pull from MIB).

Starting Score: 300
Current Score: 850
Goal Score: 850

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Message 12 of 23
Senior Contributor

Re: The 4 credit card bureaus...

Discover pulled my Innovis when I applied.
So did USBank.

EQ: 798 | EX: 774 | TU: 771 | Accounts: 1/6 4/12 8/24
Message 13 of 23
Frequent Contributor

Re: The 4 credit card bureaus...

I heard of them when I was researching my Authorization with Discover, Discover card sent out a letter to me, stating they send information to the following Bureaus (Big 3) Plus Innovis. Went to the Innovis website, inputted my information and they sent me a credit report, no score. The weird thing is the Discover account showed up on their report that I am authorized on but not my personal Capital One account, I assume Cap1 doesnt report to them.  I didn’t bother disputing the information since I don’t really think anyone uses them at all, as I checked inquires on the report and there were none.



EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 14 of 23
Established Contributor

Re: The 4 credit card bureaus...


“You can do a credit check with Innovis and receive a copy of their credit report, but that isn’t their primary service. For the most part, Innovis deals directly with businesses to authenticate consumer data, sometimes for use in pre-approved credit and insurance offers. One thing that Innovis doesn’t provide that the other credit bureaus do is a credit score.”


November 2019:

Message 15 of 23
Established Contributor

Re: The 4 credit card bureaus...

Can Innovis become a big 3 bureau, replacing the dumpster fire that is Equifax? Smiley Tongue

FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from spring and summer 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until summer 2021.

Authorized user / Corporate

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Unsecured personal loan from Coastal, $1,000, 05/19-08/19.

Goal cards: Ducks Unlimited, Chase Sapphire Reserve (or Preferred, haven't decided). Increased CLs across the board.
Long-term goal: Legitimate 770s on EX/EQ/TU, able to qualify for most normal credit products. Prime-rate mortgage.
Message 16 of 23
Valued Contributor

Re: The 4 credit card bureaus...

OP.....I have heard of Innovis before, as well as others including LexisNexis, but I have never heard them refered to as a major CRA. I think their relevence is about the same as the VS 3.0 credit score. There are just too many of the little known CRA's and credit scores to keep tabs on IMHO, unless you are denied credit approval based on a pull from that beaureau. For the record, I have never seen anyone post that they were denied credit based on a pull from Innovis on any board, but to be fair, people do not usually post which beaureau their credit was pulled from when they receive a denial. When you are denied credit based on a credit pull, the law requires that the CRA pulled be provided to the consumer, and often it is even provided when approved. It is my understanding that even LexisNexis is more relevent to the consumer as it is often used to set your rates on auto insurance. I think the Innovis report would be seriously lacking in info, because many lenders do not report credit info to them, and the vast majority do report to the 3 major CRA's. In my opinion, it is not worth the effort to pull that report unless you receive a denial based on a pull from them, just as it is worth little to get a VS 3.0 credit score. The following identifies 6 other credit reporting agencies, but strangely does not include LexisNexis.

TU fico08=823 10/28/19
EX fico08=813 10/16/19
EQ fico08=823 10/04/19
EX fico09=810 10/02/19
EQ fico bankcard08=844 09/24/19
Message 17 of 23
Valued Contributor

Re: The 4 credit card bureaus...

I have a current Innovis report from early March.  I scanned the inquiries page and erased personal info before posting.  I got a Cash+ card back in June/July 2018.  There were no US Bank inquiries for the card however I got a PLOC in February and it seems they did pull Innovis for that.  What I can't figure out is the what seems like a HP from Goldman Sachs.  I do play with prequals all the time and I have filled out info for Marcus.  I have never applied and have been to that prequal plenty of times.  Maybe it was coded wrong?



Message 18 of 23
Valued Member

Re: The 4 credit card bureaus...

Well, that makes sense. Perfect sense.
Nope, I haven't been denied for anything and I don't plan on applying for anything until at least September.
Message 19 of 23
Valued Member

Re: The 4 credit card bureaus...

It does seem like that was a hard pull because of the wording that you requested it.
But they also use it for pre-qualified offers so that could be it also. I wonder if it states that because you requested the pre-qual. But then, wouldn't all of them be on there(since you wrote that you've done it more than once)?
Message 20 of 23
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