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            2023 Rebuilding

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            BreakingOldHabits1
            BreakingOldHabits1
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            ‎03-15-2023 07:59 PM
            ‎03-15-2023 07:59 PM

            Re: 2023 Rebuilding

            Yeah, I don't know if they will approve or deny you through innovis but I did notice when i pulled my report there were alot more creditors on there than I would have orignally thought. I'm wondering if they pull innovis just to compare against one of your big 3 reports especially since most poeple don't know about it and therefore tend not to dispute it. 

            Current Cards

            Beginning: December 2022 (Recovering from 1 year layoff)

            Current: April 1, 2023 (Recovering from 1 year layoff)
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            drewricomakeubu
            drewricomakeubu
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            ‎03-15-2023 08:25 PM
            ‎03-15-2023 08:25 PM

            Re: 2023 Rebuilding


            @FireMedic1 wrote:

            @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.


            Interesting

            Current FICO 8: TU: 814 EX: 774 EQ: 806
            Current Cards:
            Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
            Chase Ink Prederred $16.000

            Tour Manager, FOH Engineer, Concert Promoter, HBIC
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