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My first question is Was the Pope featured on a Discover Card credit card in 1988? Hoping for any response. Another question on my mind: Is it just me, or is there no way to obtain your free annual credit report from Innovis online or by phone?.. |
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Hmm... I need to find out myself. I don't know what is the answer. I'll do some research in Google and get back to you if I discover an decent answer. You should email the people at Discover Card as they probably could give you an answer..
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Https://www.innovis.com/InnovisWeb/pers_ord...editReport.html.
This post has been edited by. Nummerkins. : 14 January 2010 - 02:14 PM.. |
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Called the number. Only options for a free report were if you were a) unemployeed, B ) receiving public assistance or c) a fraud victim. Any other reason was $10.
This post has been edited by. Jtoast. : 14 January 2010 - 02:29 PM.. |
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Does anyone pull Innovis?.
I didnt even know they existed until CB... |
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Call them back...recording the call...tell them you want your free annual disclosure..
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If you get.
DENIED. For a new Discover card application.... YOU WILL REAL SPECIAL. Since nobody else here has.. |
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Mortgages? Background Checks? Security Clearance? 3 businesses in Butte, Montana?.
I mean, they exist, therefore someone uses them, I'm guessing.. Who/what pulls innovis?.. |
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THEY DON'T REALLY PULL FOR ANYTHING.
(according to those who have seen their. TOTALLY USELESS. Credit reports. AS ALWAYS. YMMV. But some act like they are. BETTER. Than sliced bread. This post has been edited by. GEORGE. : 14 January 2010 - 06:32 PM.. |
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I looked at my Innovis credit report. No inquiries, soft or hard (well, now there's the one that I created.
). Also, I'll have to check again, but I'm pretty sure that all of my tradelines are showing up on the report. ... |
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All 3 of them???.
What about the rest of them???. Many have said they wasted money on their. FREE. Report. This post has been edited by. GEORGE. : 14 January 2010 - 10:04 PM.. |
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All you need to do is mail a letter asking for your consumer credit report as per the FACTA. For the cost of a stamp..
I would not order through it's online/phone system.. Also, IDS is part of the e-oscar system...guess what happens when you do an online dispute with EX, TU, or EQ?.. |
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So funny. if IDS is useless BUT ids IS FROZEN. LOL.
I can't believe that anyone listens to someone who seems to think consumers are BETTER off NOT KNOWING what an increasingly large credit bureau knows about them. It is lazy anti-consumer thinking like that which is dangerous... |
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Let me know when somebody even has a ton of accounts on.
Innovis. "IF" you get any more than 50% of what you have on. THE BIG 3. I would be amazed. THEY ARE NOT A PLAYER.. |
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This is the single best reason I have seen why NOT to dispute something online. Thank you...
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If you see anybody getting denied for a Discover card because of.
Innovis. Give me a shout.. |
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I'm pretty sure someone on here said that they were either denied an account or a CLI with Discover based on Innovis, but I could be mistaken. I know I've never had them pulled, and my Innovis file is thin but not at all empty. They're sort of growing lately, there may be a point at which they will need to be taken as seriously as the big 3...
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NEVER SEEN ANYBODY DENIED AN APPLICATION FOR A Discover card WHEN THEY PULLED.
Innovis. News to me. "IF" they become a major player and many 1,000's are denied because of them...then I will pay attention to them.... NOT BEFORE. This post has been edited by. GEORGE. : 18 January 2010 - 11:42 PM.. |
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I could have sworn it was Discover and it was within the last year or so that I saw it, but again I could be mistaken. I certainly have heard of them being pulled for mortgages, though even that seems rare. I've seen it said that they are often used by mortgage companies to `catch' things that people have cleaned from their big 3 reports, which would make some sense considering how few people outside of CB are even aware of their existence..
No, they are nowhere near being a `major player' yet, but they seem to be up and coming. I can't blame anyone for pretty much disregarding them at this point, I'm just saying there may come a time when they are as relevant as the big 3. Or maybe it won't, I guess we'll see... |
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I can't see any.
MAJOR PLAYER BANK or CREDIT UNION. Pulling. Innovis. Instead of EQ or TU or EX. I also thought their web site says they don't approve or deny any credit cards or loans. This post has been edited by. GEORGE. : 19 January 2010 - 12:17 AM.. |
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I apped for Discover recently and they pulled EQ..
It was good to see the only reason listed for denial was. The presence of Collection Accounts. Either, the rest of my. File meets their criteria or they stopped checking after collections... Regardless, innovis was never mentioned, if it was used as. A basis of this decision. They only listed EQ in the letter... |
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Despite the loud claim against it, IDS is used by discover to monitor and manage customers. ignoring IDS is ILLOGICAL..
What is funny that the only person on CB who asserts IDS is unworthy TOOK THE TIME TO FREEZE HIS IDS REPORT LOL.. |
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Last time I checked mine, I believe the only way was to write them...
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