There was a thread going about this a few months ago--I think it was called "there are 4 CRAs not 3". I'd post the link to the thread for you, but I don't know how.
Here's a couple links: http://consumers.creditnet.com/stra...s=&postid=100214&highlight=Innovis#post100214 http://consumers.creditnet.com/stra...p?s=&postid=99624&highlight=Innovis#post99624