Innovis

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title: "Innovis" type: doc version: 1 created: 2026-02-28 author: "Wikipedia contributors" status: active scope: public tags: ["credit-scoring", "american-companies-established-in-1970", "financial-services-companies-established-in-1970", "1970-establishments-in-ohio", "1989-mergers-and-acquisitions", "1997-mergers-and-acquisitions", "1999-mergers-and-acquisitions", "financial-services-companies-based-in-ohio"] description: "American consumer credit reporting agency" topic_path: "geography/united-states" source: "https://en.wikipedia.org/wiki/Innovis" license: "CC BY-SA 4.0" wikipedia_page_id: 0 wikipedia_revision_id: 0

::summary American consumer credit reporting agency ::

::data[format=table title="Infobox company"]

Field	Value
name	Innovis
traded_as	Private
foundation
location	Columbus, Ohio, United States
area_served	United States
industry	Credit bureau
parent	CBC Companies
homepage
::

| name = Innovis | logo = | traded_as = Private | foundation = | founder = | location = Columbus, Ohio, United States | area_served = United States | industry = Credit bureau | parent = CBC Companies | homepage =

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. Based in Columbus, Ohio, the company offers services such as fraud protection, credit information, identity verification, and receivables management.

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".

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.

Although they have the same parent company, Innovis is different than CBCInnovis, which merged with mortgage credit-reporting agency, Factual Data, in 2019.

Products

• Identity verification
• Receivables management
• Fraud and identity theft prevention
• Consumer Reports

Credit reports

The company's credit reports contain personal information and credit history. It does not include credit scores. Their reports are most often used for pre-screened marketing offers. Their services are also used by cell phone service providers.

Innovis also collects non-traditional credit information like rent payments, magazine subscriptions and utility bills.

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.

References

References

1. (October 4, 2008). "Don't Ignore The Fourth Credit Reporting Agency: Innovis".
2. Cain, Sarah. (2018-06-27). "What is Your Innovis Credit Report and Why Should You Care?".
3. "The Surprising History of the Credit Bureaus".
4. Source: Customer service at Verizon's Credit Reporting Department, Phone number 1-877-325-5156
5. "CBC Innovis - the 4th National Credit Bureau?".
6. "About Innovis".
7. "Innovis {{!}} CBC Innovis {{!}} 4th Credit Bureau {{!}} Innovis Credit Report".
8. (2017-05-16). "Innovis vs. CBCInnovis: Get the Facts About the Fourth Credit Bureau - Credit Info Center".
9. "CBCInnovis merges with Factual Data".
10. Sabatini, Patricia. (10 October 2017). "In the wake of Equifax, there's a fourth credit bureau you might want to contact".
11. "6 Small Credit Bureaus You Never Knew Existed".
12. "Innovis".

::callout[type=info title="Wikipedia Source"] This article was imported from Wikipedia and is available under the Creative Commons Attribution-ShareAlike 4.0 License. Content has been adapted to SurfDoc format. Original contributors can be found on the article history page. ::