MyCardBlog

I have talked a lot about hoe to get your personal credit report and business credit report. For many years, there were only 3 credit reporting agencies: TransUnion, Experian and Equifax. However, actually, there is another credit reporting agency: Innovis. Innovis is the 4th and not so well-known credit reporting agency in the United States. Currently, there are only a limited number of companies are using the date from Innovis.

It’s necessary to know what Innovis is and what Innovis can do.

A small credit reporting agency can also have the power of damaging your personal credit. Innovis records you mortgage payment information from Fannie Mae and Freddie Mac. Innovis became a major player at the beginning of 2001, when mortgage financing titans Fannie Mae and Freddie Mac began requiring their mortgage servicers to report borrowers’ payment histories to the new credit reporting agency. The federal government also reports to Innovis about individuals who are late with debt payments to the feds.

Unlike the other big three credit bureaus, Innovis doesn’t sell your credit histories to lenders, insurers and potential employers. Innovis is specialized on build mailing lists that creditors use to determine pre-approve offers. So it’s very important to bear in mind that adverse information on your Innovis credit report, accurate or not, could prevent you from getting excellent credit offers via mail.

Innovis generally offers two products to creditors: FailSafe and New Movers. FailSafe is a database containing names of consumers who are late or who have been late on debt payments. New Movers is a monthly list of people who have reported a change of address to Innovis.

How to get a credit report from Innovis?

Innovis currently offers two convenient ways to request a copy of your Innovis Credit Report: by phone or by mail.

Phone: Call 1-800-540-2505 and after some verification processes, you can get a credit report within 3 business days.

Mail: You can complete the Credit Report Request Form and mail it to Innovis at the address provided below:

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

In the form, you have to provide 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

It’s important to remember that the annualcreditreport.com currently doesn’t offer free credit report from Innovis. However, the annualcreditreport.com is the only place you can pull your credit report from TransUnion, Experian and Equifax for free!