Ended up getting let go from job last year and because of that alot of stuff went under. I just wasn't prepared as I should have been for that situation. So I am currently in the rebuilding stage and shouldn't have much longer to go until all negatives are gone. Currently, Experian and Innovis is clear of any negatives, Transunion has 1 repo and Equifax has 1 repo and 2 charge offs 12 inquiries.
Has anyone succesfully removed inquiries for Equifax? They don't evern investigate them, they just send a response stating inquiries are factual proof of file acess or something along those lines.
Current scores:
EX: 655
TU: 598
EQ: 605
INq' are even worth trying to get removed. They arent score movers. Nor will they go anywhere. Keep paying off your debts. That will raise scores. Stop applying with 12 inq's. Fix whats broken first. Then go shopping.
@FireMedic1 wrote:INq' are even worth trying to get removed. They arent score movers. Nor will they go anywhere. Keep paying off your debts. That will raise scores. Stop applying with 12 inq's. Fix whats broken first. Then go shopping.
@BreakingOldHabits1 this!
From my understanding, they are used primarily for ID verification, etc and do not provide a score. I've also heard some cellular providers, utility companies, and insurance would use them but am unsure of this. I just checked mine and the only thing there was a closed Care Credit (Synchrony) account (in good standing) with an old address. Would be worth taking a look at though if you have not just to ensure it is accurate.
@drewricomakeubu wrote:Do companies use Innovis? I've never even heard of this until now?
@Apexdv wrote:From my understanding, they are used primarily for ID verification, etc and do not provide a score. I've also heard some cellular providers, utility companies, and insurance would use them but am unsure of this. I just checked mine and the only thing there was a closed Care Credit (Synchrony) account (in good standing) with an old address. Would be worth taking a look at though if you have not just to ensure it is accurate.
@drewricomakeubu wrote:Do companies use Innovis? I've never even heard of this until now?
I just checked mine. Usual accounts and payment history. Thats about it. At least everything reported was accurate .
NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 38K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 8k |
@drewricomakeubu wrote:
@FireMedic1 wrote:Cap1 uses Innovis
In what context? For credit card approval?
Yep. Discover and US Bank its been said. They dont have a credit score though.Innovis is often referred to as the fourth credit bureau because it collects similar information to the big three credit bureaus. Innovis provides ID verification data to help with fraud detection and prevention, and many businesses use them for pre-screening potential customers. They also collect many pieces of non-traditional credit information like rent payments, magazine subscriptions, and utility bills.
That's exactly what I'm doing. Appreciate the feedback