A Fourth Credit Reporting Agency

Most of us have heard of the three major credit bureau. These main credit reporting agency using information to determine our FICO Score and that database of information is provide to various entity. However, little is known about another reporting agency. The fourth reporting agency is INNOVIS Data Solutions.

Our mailbox is filled with a lot of junk mail. Some of that junk mail is generated because Innovis Data Solutions moves around quietly collecting information on us and then sell that information to varies marketing companies or other types of creditors. Some lenders are now starting to use Innovis as a credit reference for their loan products.

Similar to the other credit reporting agency, having a negative report from Innovis may prevent you from getting decent interest rate or financing. Also, since this agency is relatively new, it is possible that the database within the company may have erroneous information. Therefore it is wise to check all reporting agency which includes Equifax, Experian and Trans Union.

To get your report from Innovis go to www.innovis.com. The information of the website is limited but it will guide you so you can request a copy of the report. However you have to request the report in writing. Below you will find the information that is normally request when you send off your letter. Please note that in Illinois the fee for this report is $9.00

Full Name
Current Address (along with a copy of your driver’s license or utility bill showing your current address)
Previous addresses for the past 2 years
Social Security Number
Date of Birth
Current Employer
Phone Number
Signature

I have include the websites for the other three reporting agency. In addition, I have provided a website so that you can get a free credit report.

www.experian

www.equifax

www.transunion

www.annualcreditreport.com (free credit report)

By stating that it is critical that you know and understand what is on you credit reports is an understatement. Do check it out.

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