Just an FYI-- there are 4 consumer Credit Reporting Agencies. The fourth is Innovis. Innovis is the 4th largest credit bureau in the United States. Here is general information from their Website-- which is the same as to how the other three major Credit Reporting agencies work.
Security Freeze
Do you want to limit access to your Innovis Credit Report?
A Security Freeze prevents your Innovis Credit Report from being accessed by most third parties in connection with an application for new credit. With a Security Freeze in place, you will need to take special steps when you wish to apply for any type of credit. Third parties that still have access to your Innovis Credit Report when a Security Freeze is in place include:
Companies that have current accounts or relationships with you
Collection agencies acting on behalf of companies that have a current account or existing relationship with you
Credit monitoring companies
State or local agencies including law enforcement or child support agencies
Federal government agencies as permitted under the Fair Credit Reporting Act
Innovis Security Freeze Options
You can request a Security Freeze or manage an existing Security Freeze:
Online: Submit the Security Freeze Request Online form.
Phone: 1-866-712-4546
Mail: Complete the Security Freeze Request by Mail form.
A Security Freeze will be placed on your Innovis Credit Report after your request has been received and your identity has been verified. You will receive a confirmation letter by mail that contains a 10-digit Security Freeze PIN. You can request a replacement Security Freeze PIN or a lift PIN online, by phone, or by mail.
Learn More
Visit Innovis' Learning Center for more information about Security Freezes and your rights as a consumer.
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