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    #1

    Fourth credit reporting agency

    Maybe some of you know? Maybe not ...
    Just thought I would post after getting off the phone with premier first bank they explained they report to all four good to know... So besides equifax transunion experian here is another one now.. check it out

    http://www.innovis.com/
    Innovis provides credit, identity, and authentication solutions designed to manage risk and empower consumers and customers to achieve their financial goals


    NBC Bay Area - San Francisco news, weather, breaking news
    http://www.nbc11.com/consumerlinks/1912342/detail.html
    Find the latest Bay Area news out of San Francisco, San Jose, Oakland and beyond. NBC Bay Area brings you weather forecasts, breaking news and more.


    http://www.carreonandassociates.com/articles/bureaufour.htm
    Last edited by robbndawn03; 05-19-2006, 07:13 AM.
    Filed 8/05
    Discharged 1/06
    Chapter 7

    Orchard bank (me)
    First premier (husband)
    both are additional users of coarse....
    Tags: None
    #2
    Oh well thats just great. Now we have another one to worry about

    Comment

      #3
      And it sounds like you cannot dispute what they have to say about you either. That's just WONDERFUL!!
      Filed Ch 7 - 09/06
      Discharged - 12/2006
      Officially Declared No Asset - 03/2007
      Closed - 04/2007

      I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

      Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

      Comment

        #4
        Originally posted by SinkingFast
        And it sounds like you cannot dispute what they have to say about you either. That's just WONDERFUL!!

        That should be covered under the FCRA. If they report, then they have to repair too!
        BUSY running my own credit repair services! Sorry I don't stop in so often any more!

        Comment

          #5
          ^^^Absolutely. It would be wrong for them to report incorrect items, only to forbid the person from disputing.

          Comment

            #6
            But they are Business to Business, and their reporting doesn't affect insurance rates and such, and they have a Fail Safe system of gathering info, so they must always be right, Right??!!

            <<Definite sarcasm intended there!!>>

            It's just something about the way the article read. Made them sound like they "think" they are infallible so they "must" always be right.

            I like how you can't get a Credit Report for free from them unless you live in certain States. All the rest of the States have to pay varying levels of a fee.
            Filed Ch 7 - 09/06
            Discharged - 12/2006
            Officially Declared No Asset - 03/2007
            Closed - 04/2007

            I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

            Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

            Comment

              #7
              Why in the world would we even need a 4th CRA? Isn't 3 enough!
              *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

              My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

              Comment

                #8
                Innovis pulled hard copys of my credit report ten times from all three CRA's. This affects my score. I never gave them permission, how is this possible? Did this happen to anyone else, everyone please take a look, I am calling my local news station because there is no way that this can be legal!!!!!

                Comment

                  #9
                  I called the # for Innovis and they are sending me a free report (Ohio). On their website it doesn't list Ohio as getting a free one..but she said she is sending it to me. She took no payment info.

                  I asked the agent if we can dispute..and she said that we can call back and dispute with a live agent. Here is the # 800-457-0247
                  BK DISCHARGED~02/2006
                  Aspire cc $400...CNAC (auto) $15,000
                  FICO score 8/06 Trans (549) Exp (538) Equi (559)
                  FICO score 9/7/06 Trans (583) Exp (564) Equi (621)

                  Comment

                    #10
                    My daughter sign up for a credit report for free,guess what happen? after she sign up? You are right they all pigging back from one to another firm for five to ten dollars and they had no phone# to call to cancel.So she stoped payment at her bank. these guys are crooked as the streets of San Franciso.

                    Comment

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