Innovis
The fourth major credit bureau most people have never heard of
What Innovis Tracks
- Credit account history (similar to the big three bureaus)
- Payment history
- Derogatory marks
- Public records
- Inquiries
Who Uses Innovis?
Some lenders use Innovis in addition to or instead of the three major bureaus. Innovis is also used for fraud prevention and identity verification services.
How to Get Your Free Report
Request your free annual Innovis credit report at innovis.com or by calling 800-540-2505.
How to Dispute Errors
Disputes can be filed at innovis.com or by mail to Innovis Consumer Assistance, PO Box 26, Pittsburgh, PA 15230.
Under the Fair Credit Reporting Act (FCRA), consumer reporting agencies must investigate disputes within 30 days and correct or remove information they cannot verify.
Frequently Asked Questions
What is Innovis?
Innovis is often called the fourth major credit bureau. Like Experian, TransUnion, and Equifax, Innovis collects credit data and provides credit reports to lenders. Most consumers are unaware of Innovis because most major lenders use the big three bureaus, but you still have FCRA rights to your Innovis report.
Do I need to freeze my Innovis credit report?
If you're freezing your credit to prevent identity theft, you should freeze your Innovis report as well. While fewer lenders use Innovis than the big three, a comprehensive security freeze should include Innovis. A freeze at Innovis is free under federal law.
Does Innovis have a credit score?
Innovis provides credit data but isn't known for a widely-used consumer credit score in the way FICO or VantageScore are. Its data may be used in specialty scoring models by certain lenders.