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Innovis credit bureau: Is it like the "Big Three?"

Innovis is a credit bureau just like Experian, Equifax and TransUnion. Although it is less known, Innovis functions just as the big three and reports information about you and how you pay your bills. It's a smaller credit reporting agency and not widely used as much as the big three, so if you'd like a copy of your Innovis credit report, you need to order it from their website. As of now, AnnualCreditReport.com does not offer access to your Innovis credit report but you can get the other three free of charge.

Ordering your Innovis Credit Report

To order the Innovis report you need to either do so by mail or phone. You can get specific instructions as well as the mailing address on their website. Innovis Web Site. A charge may apply. A creditor may have used Innovis to pull your credit history depending on which state you live in. There are many smaller credit bureaus besides Experian, Equifax and TransUnion but they are even smaller than Innovis - which is why you may have never heard of them. Anyone who regularly reports information on you to a credit agency or functions as such, must obey the Fair Credit Reporting Act (FCRA). All regulations apply including your right to dispute inaccurate information.

Errors in your Innovis credit profile

If you find mistakes in your Innovis credit report, they offer three ways to dispute the information. You can dispute an item either by mail, phone or online. Once you decide there is a problem in the report, head over to Innovis website and initiate a dispute with them.

So why so much talk about the fourth credit bureau?

Dating back as far as 2003, people have speculated that the company is owned by an entity that also operates collection agencies. In addition, people have claimed that access to their personal credit history with Innovis is hard to obtain and that the company will usually stonewall requests. As of 2011, things have gotten better with Innovis allowing easier access to credit reports by consumers. Some complaints have been filed with the FTC over Innovis business practices.

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