Innovis and Lexis Nexis

[Nixer]

I have not dealt with either of these at all. I have been working on the main 3. So my question is how often do credititors pull these and how important is it to work at the others?

thanks

[Trish]

I honestly have no idea about Innovis......haven't had to deal with them or taken the time to look into them. They were supposedly going to be one of the "big 4".......and join in to be a major CRA........but I heard that 2 years ago.

Now L/N does not claim to be a CRA.........yet they keep a file on you about 20 pages thick........which contains ALL of your public info and "possible" relatives.....etc. That is where the CRAs get their info on judgments, BKs, liens, forclosures and things like that. The CRAs will not admit that's where they get their info (that's why it's usually easy for us to call BS on them). The thing that pisses me off about L/N is that you can get a report........but unless you claim fraud, you are not allowed to dispute ANYTHING. You have to really jump through hoops before they will even consider removing anything.

I requested reports from L/N about 2 years ago. Hubby's came back with a LONG list of previous addys and TONS of erroneous info about relatives and crap like that.........people we had never even heard of. Then on me........somehow they had absolutely no record of me........and apologized and gave me my money back. :confused: Go figure.......lol