Don't Ignore The Fourth Credit Reporting Agency: Innovis

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Don't Ignore The Fourth Credit Reporting Agency: Innovis

Postby Administrator » Mon Nov 10, 2014 8:17 pm

Don't Ignore The Fourth Credit Reporting Agency: Innovis

By consumeristcarey October 4, 2008

Did you know there are more than three credit reporting agencies? Sure, you’ve heard of Experian, Equifax, and TransUnion, but what about Innovis? Smaller agencies can do just as much damage to your ability to get a good deal on credit as their bigger brethren. Learn how to pull your credit report from Innovis, inside.

Innovis can actually trace their relevance to everybody’s favorite vanguard of responsible finance, Fannie Mae and Freddie Mac. The mortgage backers ordered their partner organizations to report mortgage payments to Innovis back in 2001.

Unlike the other bureaus, Innovis lives almost exclusively to build mailing lists that creditors use to determine offers. If you don’t want to receive credit offers, call the one-stop opt-out number 888-5-OPTOUT (888-567-8688) and you’ll be taken off all four bureaus’ lists for two years.

To see what dirt Innovis is reporting to potential creditors, send in the following information:

Full name
Social Security Number
Date of birth (month/day/year)
Proof of current address, such as a current utility bill, lease arrangement or rental receipt
One copy of a legible government-issued identification card, such as a driver’s license, state ID card, or military ID card

Mail to:

Attention: Consumer Assistance
P.O. Box 1358
Columbus, Ohio 43216-1358

The Fair Credit Reporting Act entitles you to one free Innovis credit report each year. For free credit reports from the other three credit agencies, don’t visit any site other than
David A. Szwak
Bodenheimer, Jones & Szwak, LLC
416 Travis Street, Suite 1404, Mid South Tower
Shreveport, Louisiana 71101
318-424-1400 / Fax 221-6555
President, Bossier Little League
Chairman, Consumer Protection Section, Louisiana State Bar Association

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