Innovis

{{Multiple issues| {{unreliable sources|date=February 2012}} {{More citations needed|date=July 2015}} {{notability|Companies|date=April 2016}} }} {{Infobox company | name = Innovis | logo = | traded_as = Private | founded = {{start date and age|1970}} | founder = | location = Columbus, Ohio, United States | area_served = United States | industry = Credit bureau | parent = CBC Companies | website = {{official website}} }}

'''Innovis''' is the credit reporting division of CBC Companies and is considered the fourth largest consumer credit reporting agency in the United States, behind the "big three" Experian, TransUnion, and Equifax.<ref>{{cite web |title=Don't Ignore The Fourth Credit Reporting Agency: Innovis |url=https://www.consumerreports.org/consumerist/dont-ignore-the-fourth-credit-reporting-agency-innovis/ |website=Consumer Reports |access-date=February 1, 2026 |archive-url=https://web.archive.org/web/20190824025503/https://www.consumerreports.org/consumerist/dont-ignore-the-fourth-credit-reporting-agency-innovis/ |archive-date=2019-08-24 |date=October 4, 2008 |url-status=live}}</ref> Based in Columbus, Ohio, the company offers services such as fraud protection, credit information, identity verification, and receivables management.<ref>{{Cite web|last=Cain|first=Sarah|date=2018-06-27|title=What is Your Innovis Credit Report and Why Should You Care?|url=https://www.supermoney.com/what-is-your-innovis-credit-report/|access-date=2021-08-25|website=SuperMoney!|language=en-US}}</ref><ref name=":0">{{Cite web|last1=((Company))|first1=Tradeline Supply|last2=LLC|title=The Surprising History of the Credit Bureaus|url=https://tradelinesupply.com/history-credit-bureaus/|access-date=2021-10-29|language=en-US}}</ref>

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".<ref>Source: Customer service at Verizon's Credit Reporting Department, Phone number 1-877-325-5156</ref>{{Better source needed|date=August 2025}}

==Company history== {{Expand section|date=March 2020}} Innovis began as ACB Services, founded by Associated Credit Bureaus (ACB) in 1970.<ref>{{Cite web|title=CBC Innovis - the 4th National Credit Bureau?|url=http://www.creditreporting.com/innovis.html|access-date=2021-08-25|website=www.creditreporting.com}}</ref>

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.<ref name="innovis">{{cite web |title=About Innovis |url=https://www.innovis.com/InnovisWeb/aboutInnovis.html |url-status=deviated |archive-url=https://archive.today/20130126203101/https://www.innovis.com/InnovisWeb/aboutInnovis.html |archive-date=2013-01-26 |access-date=2026-01-31}}{{cbignore}}</ref><ref>{{Cite web |title=Innovis {{!}} CBC Innovis {{!}} 4th Credit Bureau {{!}} Innovis Credit Report |url=https://www.creditfirm.net/education/who-is-innovis |access-date=2021-08-25 |website=Credit Firm}}</ref>

Although they have the same parent company, Innovis is different than CBCInnovis, which merged with mortgage credit-reporting agency, Factual Data, in 2019.<ref>{{Cite web|date=2017-05-16|title=Innovis vs. CBCInnovis: Get the Facts About the Fourth Credit Bureau - Credit Info Center|url=https://www.creditinfocenter.com/wordpress/2017/05/16/innovis-vs-cbcinnovis-need-know-fourth-credit-bureau/|access-date=2021-09-14|website=Credit Info Center Blog}}</ref><ref>{{Cite web|title=CBCInnovis merges with Factual Data|url=https://www.mpamag.com/us/news/general/cbcinnovis-merges-with-factual-data/172499|access-date=2021-09-14|website=www.mpamag.com|language=en}}</ref>

==Products== *Identity verification<ref name=":1">{{Cite web|last=Sabatini|first=Patricia|title=In the wake of Equifax, there's a fourth credit bureau you might want to contact|url=https://www.chicagotribune.com/business/ct-biz-innovis-equifax-hack-20171010-story.html|access-date=2021-10-29|website=chicagotribune.com|date=10 October 2017 }}</ref> *Receivables management *Fraud and identity theft prevention<ref name=":1" /> *Consumer Reports

=== Credit reports === The company's credit reports contain personal information and credit history.<ref name=":0" /> It does not include credit scores.<ref name=":0" /> Their reports are most often used for pre-screened marketing offers.<ref name=":0" /> Their services are also used by cell phone service providers.<ref name=":0" />

Innovis also collects non-traditional credit information like rent payments, magazine subscriptions and utility bills.<ref>{{Cite web|title=6 Small Credit Bureaus You Never Knew Existed|url=https://www.thebalance.com/6-small-credit-reporting-agencies-consumers-should-know-about-4210980|access-date=2021-10-29|website=The Balance|language=en}}</ref>

=== FailSafe Fraud Suite === Under the direction of Bruce Nixon, president of Innovis, the company launched the FailSafe Fraud Suite, which provides multi-layer authentication that works to identify abnormal patterns of behavior in an effort to fight fraud.<ref>{{Cite web|title=Innovis|url=https://www.dms.net/test-drive-innovis/|access-date=2021-08-30|website=Digital Matrix Systems|language=en-US}}</ref>

==References== {{reflist}}

==External links== *{{Official website}}

Category:Credit scoring Category:American companies established in 1970 Category:Financial services companies established in 1970 Category:1970 establishments in Ohio Category:1989 mergers and acquisitions Category:1997 mergers and acquisitions Category:1999 mergers and acquisitions Category:Financial services companies based in Ohio