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CREDIT GLOSSARY

Katie's Credit Glossary

PREPARING KIDS FOR CREDIT, STUDENT ISSUES

Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information

ASK KATIE

The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor

SCAMS!

Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft

BUYING A HOME

Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home

NEGOTIATING AND REPAIRING CREDIT

Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements

CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION

How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau

LEGAL INFORMATION

Federal Law Concerning Credit

LINKS

Katie's Links

EMAIL KATIE
DISCLAIMER

Innovis Data Solutions is a new credit bureau that moves around quietly collecting information on consumers and selling this information to companies for mailing lists used for things like credit card offers. Many lenders are now beginning to utilize Innovis as a credit reference for loans as well as credit cards.

A negative report from Innovis will prevent you from getting decent credit offers and the information that this company has in their database isn't always correct and needs to be checked and monitored along with the other three credit reporting agencies Equifax, Experian and Trans Union.

You can visit the Innovis website at innovis.com. There is not much information on their site but you can find instructions there for obtaining a copy of the report that they have on you. They ask that you make all requests in writing via the mail.

Here is a list of the information that they ask for and their mailing address:

• Full Name
• Current Address (along with a copy of your driver's license or utility bill showing your current address)
• Previous addresses for the past 2 years
• Social Security Number
• Date of Birth
• Current Employer
• Phone Number
• Signature

• California $8.00
• Minnesota $3.00
• Montana $8.50
• All other States $9.00
• Colorado, Connecticut, Georgia, Maine, Maryland, Massachusetts, New Jersey, Vermont: First report free.