Ok, now Innovis has me pi$$ed off. I emailed asking them how I could obtain my credit report and this is how they answered: Thank you for contacting Innovis Data Solutions in regards to your personal credit information. We are developing a credit database and currently Innovis Data Solutions does not provide on-line credit reports to businesses where you apply for credit, insurance, or employment. If we can be of any further assistance, please do not hesitate to contact us at 800-540-2505. You may also contact Innovis Data Solutions in writing. Our mailing address is: Innovis Data Solutions Consumer Relations PO Box 219297 Houston TX 77218-9297 If you prefer, you may fax us at 281-504-2594. Thank you. Innovis Data Solutions Consumer Relations A little info on Innovis, first from themselves: Contributors/Data Providers Innovis is a required credit repository for reporting purposes to those who are Fannie Mae and Freddie Mac servicers. For more information on guidelines click below Fannie Mae Servicing Credit Reporting Requirements Each month, servicers must report 90-day delinquencies to all four major credit repositories. Freddie Mac Servicing Credit Reporting Requirements Borrowers, or their representatives, are permitted under the Federal Fair Credit Reporting Act (FCRA) to inquire about or dispute the accuracy of information in their credit repository files. This right to inquire about or dispute the accuracy of information applies to any Mortgage that the Servicer services for Freddie Mac, just as it does to any other indebtedness of a Borrower. A Borrower may send an inquiry or a notice of dispute concerning the accuracy of reported information about the Borrower's Mortgagedirectly to the Servicer, or to any of the credit repositories listed in Exhibit 51. Whenever the Servicer receives such an inquiry or notice of dispute from a Borrower, or receives a letter from a credit repository requesting verification or correction of Mortgage-related information, the Servicer must respond in accordance with the requirements of the FCRA. Exhibit 51 - Credit Repositories and Information to Report Credit Repositories Innovis Data Solutions 950 Threadneedle, Suite 200 Houston, TX 77079-2903 {AND the other 3} Contributor Information Form Please provide mailing address for Innovis to mail Consumer Dispute Forms. This will be an internal contact and address only. FailSafe Product A national database of consumers with unfavorable current or past credit histories. You can cleanse your pre-approved mailing lists before offers are printed and mailed - significantly reducing your mail program costs, back-end credit bureau polls and potential risk. FailSafe is an FCRA compliant database comprised of public record and accounts receivable data collected from thousands of credit grantors nationally. On average 3-4% of all names surviving credit prescreening are actually delinquent, but not eliminated during the credit bureau prescreen process due to file fragmentation, mismatched records or records lost within the credit bureau master file. One last screening against FailSafe will safely eliminate the undesirable names prior to your mail date. More info on Innovis, from Associated Credit Bureaus, Inc.: Links to the Three National Repositories Equifax Experian Trans Union Innovis Data Solutions From Freddie Mac January 2, 2001 Addition of Innovis Data Solutions, Inc. to Exhibit 51, Credit Repositories and Information to Report We are updating Exhibit 51 to include Innovis Data Solutions, Inc. as an additional credit repository to which you must report. And of course, from our own G.Fisher at his site Credit Accuracy Subject: RE: [Fwd: credit file] Date: Tue, 9 Oct 2001 15:05:46 -0400 From: Jonathan Price (jonathanprice@cbc-companies.com) To: Greg Fisher (gfisher@erinet.com) Greg, Innovis is a credit reporting agency and you can request a copy of your credit file. You may write your request to: Innovis PO Box 219297 Houston, TX 77218-9297 So which is it Innovis?
Has anyone besides Greg, gotten them to admit that they are a CRA and that they will give you a report?
