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Is there a 4th national credit bureau called CBC Innovis?

Besides the three national credit reporting agencies, Equifax, Experian and Trans Union, there is also another important credit agency in the US that maintains a significant database of consumer credit information called Innovis, which is a subsidiary of CBC Companies, aka CBCInnovis.

Founded in 1970 by the Associate Credit Bureaus (ACB), Innovis was originally called ACB Services.  Nineteen years later, Consumers Credit Associates (CCA) acquired ACB Services, and then in 1997, First Data Corporation purchased the company and gave it its current name.  Finally, in 1999, the Credit Bureau of Columbus (CBC) purchased Innovis, Inc.

Innovis offers both personal and business credit services.

Among the personal services, Innovis can provide consumers with copies of their Innovis Credit Report and assist consumers to dispute information in their Innovis report that is inaccurate or incomplete. Innovis will also place fraud and active duty alerts on their credit reports. You may also place a security freeze on your credit data at Innovis. 

Innovis also provides businesses with credit related services such as authentication services, fraud solutions. and portfolio management.

Regarding authentication services, Innovis claims to have a greater number of identity variations for consumers for comparison in order to screen fraudulent requests. They also have expanded lists of verified phone numbers to better identify and authenticate consumers over the phone.

Under the fraud solutions, Innovis can use their database to assist businesses in spotting fraudulent applications.

The Innovis Portfolio Management Solutions services can assist businesses to identify up-sell and cross-sell transactions that may have the company’s bottom line.

More information about Innovis is available on their website at

Consumers can order your Innovis credit report here:

Attention: Consumer Assistance
P.O. Box 1358
Columbus, Ohio 43216-1358