Re: You Wont Believe The Lender That Pull Innovis ... - Page 2 - myFICO® Forums

RonM21 · ‎05-29-2016

I knew about Innovis and actually requested a report from them just because, when I found out about them a few years back. But I didn't realize lenders were pulling them. Interesting.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎05-29-2016

Is this where hidden TL's go to hide?

MyLoFICO · ‎05-30-2016

@Anonymous wrote:
Is this where hidden TL's go to hide?

Like Voldemort. The Bureau that must not be named!

Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18

MyLoFICO · ‎05-30-2016

I requested mine. Be my luck even they will show 30 inquiries as well.

Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18

elim · ‎05-30-2016

freeze IDA / ARS

EW800 · ‎05-30-2016

I pull my Innovis report yearly (last four years anyway), with the last time being about a month ago. Zero HP's and zero SP's. I was a bit surprised that there was not even a single SP, given that about three-quarters of my trade lines appear in this CR.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

surferchris · ‎05-30-2016

@MyLoFICO wrote:
@Anonymous wrote:
Is this where hidden TL's go to hide?
Like Voldemort. The Bureau that must not be named!

lol

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Revelate · ‎05-31-2016

@EW800 wrote:
I pull my Innovis report yearly (last four years anyway), with the last time being about a month ago. Zero HP's and zero SP's. I was a bit surprised that there was not even a single SP, given that about three-quarters of my trade lines appear in this CR.

They're a data aggregator, I don't know how much data the lenders furnish to them directly.

They're also one of the big 3 tri-merge providers that I'm aware of in the mortgage space, Credco, CBC/Innovis, Kroll Factual Data.

takeshi74 · ‎06-01-2016

@Anonymous wrote:
We only hear transunion, equifax and experian all the time.

The big 3 are frequently discussed but discussion on the others isn't uncommon either. This has been posted in a number of prior threads:

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

GalaxyStars · ‎06-01-2016

I ordered mines just to take a look at whats there.

So far I'm not too concerned about then, unlest until people start getting Denials due to "Innovis Credit Report" lol, and then I have to worry.

I want to know more about how they are used.

Are they even a factor of approval for a loan or credit products? Basically how much does a creditor that pulls them base any decision on the report?

You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

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Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

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Re: You Wont Believe The Lender That Pull Innovis Credit Report (4th Credit Bureau)

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