How to Dispute Items on Innovis Credit Report
Understanding Innovis and Its Credit Reports
Innovis is the fourth largest consumer credit reporting agency, operating alongside the three major credit bureaus. Founded in 1970 as "Associate Credit Bureaus (ACB)," it rebranded to Innovis in 1997. Unlike the big three, Innovis gathers unique information often not collected by others, such as payments for rent, utilities, mobile phones, and gym memberships. For these reasons, your Innovis report may differ from your Equifax, Experian, or TransUnion reports.
Innovis typically provides information for marketing purposes and is not as commonly used for lending purposes. However, maintaining a healthy and accurate financial history is key to long-term success, thus many seek to correct reports through Innovis credit repair.
Feature | Innovis | Major Bureaus |
Primary Use | Marketing lists | Lending decisions |
Credit Scores | Not provided | Provided (e.g., FICO) |
Data Sources | Unique sources (e.g., rent, utilities) | Traditional credit accounts |
Consumer Awareness | Less known | Widely recognized |
Getting Your Innovis Report
You can get a free copy of your Innovis credit report once every 12 months, as required by the Fair Credit Reporting Act. You can order your report by mail, by request form, by phone, or online. Your Innovis report cannot be provided by annualcreditreport.com like the three major bureaus.
To Request Your Innvois Report by Phone: call 1-866-712-0021
To Request Your Innovis Report by Mail: Download the report request form and mail to Innovis Consumer Assistance.
To Request Your Innovis Report Online: Fill out and submit the online request form here.
Identifying Errors on Your Innovis Credit Report
You should review your Innovis report for errors as you would any other consumer report. Be careful to pay attention to details as the errors and information that appear may differ from your previous reports even if they are recent and up-to-date.
Common errors to look out for include:
Incorrect personal information, such as wrong names, addresses, or phone numbers.
Accounts that don't belong to you, may indicate identity theft or a mixed file.
Accounts reported as open, incorrect account statuses, and inaccurate payment histories. Credit limits and current balances are correct.
No duplicate listings of the same debt and ensure your role as an account owner or authorized user is accurately reflected.
How to File an Innovis Dipsute
The process is similar to the major bureaus. You can dispute inaccuracies by mail, online, or by phone. As usual, it is always recommended to dispute by certified mail to maintain a paper trail.
We typically recommend composing your own letter using a template from your document center, however, when disputing with Innovis it is in most cases safe to use their printable request form.
Identify errors and items in dispute on the report
Compose a letter or fill out the dispute form
Send your dispute form or letter to:
Innovis Consumer Assistance
PO Box 530088
Atlanta, GA 30353-0088
Innovis Dispute Tips
Be sure to follow the credit repair process and guidelines when dealing with Innovis, it is important to protect your financial history and legal rights. For more details on see the DIY Credit Kit Module 7.
Keep a Paper Trail: Keep a copy of all disputes sent and responses from Innovis. If possible, send disputes by certified mail with the return receipt requested.
Include Details: Include any relevant documentation, account numbers, or evidence for your investigation.
Track Your Disputes: Use the Dispute Tracker Log spreadsheet found in your Document Center or in DIY Credit Kit Module 7.
Create Original Disputes: If you decided to compose a letter rather than use the printable printable request form be sure to create your own unique letter and not to copy your template or sample exactly.
Pick Your Battles: It is smart to dispute errors and maintain a clean Innovis report, however, if you are seeking finance, or looking for faster financial benefits to credit repair it is more pertinent to focus your efforts on the major credit bureaus.
Opting Out with Innovis
Opting out means your name won't be included in lists Innovis provides to creditors or insurers for marketing purposes. This can reduce unwanted mail and help protect your privacy. Remember, you can always opt back in if you change your mind.
For additional privacy, consider opting out with the other major credit bureaus (Equifax, Experian, and TransUnion) using the same website.
Innovis, like other credit reporting agencies, allows consumers to opt out of prescreened offers of credit and insurance. Here's how to do it:
Visit www.optoutprescreen.com
Choose between a 5-year opt-out or permanent opt-out
Provide your personal information, including name, address, SSN, and date of birth
Submit your request
Remember, opting out only affects offers based on lists from Consumer Reporting Agencies. For other types of direct mail, you can contact the Direct Marketing Association at www.dmachoice.org or by mail to further reduce unwanted solicitations.
At the end of the day, staying on top of your Innovis report is just another tool in your financial toolbox. Remember, your credit report is like your financial resume - you want every version out there to paint you in the best light possible. So, go ahead and get cozy with your Innovis report. Check it, dispute any wonky info, and maybe even give that opt-out option a whirl if you're tired of your mailbox throwing up credit card offers every other day.
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