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Innovis (also known as "CBCInnovis") is the 4th[1] credit bureau (also known as a "Consumer credit reporting agency") in the United States, the other three being Equifax, Experian and TransUnion. Currently, a much smaller number of companies use Innovis for credit reporting, one being Trade Capital Company.[2] Most sources of information about consumer credit repair do not make mention of Innovis (or the 5th agency, PRBC) at this time (2008).
Innovis is a subsidiary of CBC Companies, but companies that report debt activity, such as Verizon, refer to the company by the name "Innovis", or simply state that they report to "all four credit agencies".[3]
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Company History
Innovis began as ACB Services - founded by Associated Credit Bureaus (ACB), in 1970. In 1989 ACB Services was purchased and renamed Consumers Credit Associates (CCA). First Data Corporation purchased CCA and renamed it Innovis, Inc. in 1997. Most recently, CBC Companies purchased Innovis, Inc. in 1999.[4]
As of 2008, CBC Companies claims it has provided consumer credit information through its credit bureau organization for over 55 years.
Products
- Mortgage Credit Reporting
- Flood Zone Determination
- Appraisal Services
- Title & Settlement Services
- Loan Origination Software
- Default Management
- Fraud Tools
See also
- Credit bureau
- Equifax
- Experian
- TransUnion
- PRBC
- Credit score
- Credit report
- Identity theft
- Fair Credit Reporting Act
External links
References
- ^ Andrew Ewalt's Law Blog: "Opting Out Of Credit Card "Prescreened" Offers", August 18, 2008
- ^ MarketWatch.com: "Trade Capital Company Enhances Deposit Loan Program, Builds Credit for International Business, Investors", September 19, 2008
- ^ Source: Customer service at Verizon's Credit Reporting Department, Phone number 1-877-325-5156
- ^ Source: Innovis.com web site
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