Who Pulls Innovis Credit Reports?

Creditors, lenders, and service providers pull your Innovis report most often.

• Mortgage lenders pull your Innovis report when you apply for a home loan (hard inquiry).
• Auto finance companies pull your Innovis report during vehicle financing (hard inquiry).
• Credit card issuers pull your Innovis report to evaluate new card applications (hard inquiry).
• Landlords or tenant‑screening firms pull your Innovis report to assess rental prospects (soft inquiry).
• Debt collectors pull your Innovis report before they contact you about outstanding balances (soft inquiry).

Major banks and lenders that often pull an Innovis report include several national and regional institutions that use Innovis as a supplemental credit source.

• Capital One (credit‑card applications)
• Wells Fargo (mortgage and personal loans)
• Ally Financial (auto financing)
• USAA (auto and personal loans)
• Navy Federal Credit Union (various consumer loans)
• PNC Bank and Truist (formerly BB&T) for credit‑card and loan underwriting
• Quicken Loans (mortgage applications)

These lenders typically access Innovis for a hard inquiry when evaluating a new loan or credit‑card request, while they may also run soft inquiries for pre‑screening offers. Innovis partner list

Mortgage, auto, and credit‑card issuers pull the Innovis report when they need a credit snapshot to decide whether to extend financing.

They often start with a soft pull for pre‑qualification, which does not affect the score. Once the applicant moves forward, they switch to a hard pull, which records on the report and can lower the score by a few points.

For example, a mortgage lenders that use Innovis may soft‑pull while you shop for rates, then hard‑pull after you lock in a loan; an auto dealer typically hard‑pull after you select a vehicle and agree on terms; a credit‑card company may soft‑pull for a 'you may qualify' offer and hard‑pull when you submit the application. These appear as soft or hard inquiries, which the next section explains in detail.

Companies pull your Innovis report for several practical reasons.

• Lenders run a soft inquiry to pre‑qualify you for a mortgage, auto loan, or credit card, then a hard inquiry when you submit an application.
• Landlords or property‑management firms access a soft pull to gauge rental risk before signing a lease.
• Employers use a soft inquiry during background checks when the job involves financial responsibility.
• Debt collectors pull a soft report to verify that the debt belongs to you and to locate current contact information.
• Utility providers and low‑risk service vendors perform a soft pull to confirm identity and assess payment history.

Landlords and tenant‑screening services often pull an Innovis report, usually as a soft inquiry, to supplement the credit data they receive from Experian, Equifax or TransUnion; the pull occurs when the screening platform they use accesses all three bureaus, so many property managers, especially those using nationwide screening vendors, will see an Innovis inquiry on your file, while some independent landlords who rely only on the major bureaus may not check Innovis at all.

This practice follows the broader pattern described earlier about who pulls your Innovis report most often and leads into the next section on whether employers or background‑check firms also access Innovis.

Employers may pull an Innovis report during a background check, typically as a soft inquiry that does not affect your credit score; this occurs most often for positions that involve handling money, accessing sensitive financial data, or meeting regulatory standards. Examples include banking tellers, insurance agents, and some government roles, where the hiring company wants a complete credit picture beyond the major bureaus.

Background‑check firms also access Innovis reports, usually alongside Experian or TransUnion pulls, to provide a broader view of an applicant's financial history; these checks are soft and appear on your consumer report without triggering a hard inquiry. For more detail on how employer credit checks work, see What are employer credit checks?.

Debt collectors and creditors may pull your Innovis report when they need to verify a debt, gauge your ability to pay, or decide whether to extend new credit.

• Verify outstanding balances and confirm ownership of the debt.
• Assess repayment capacity before offering a settlement or payment plan.
• Add the account to a collection portfolio after confirming the borrower's identity.
• Evaluate credit risk when a creditor considers reopening or refinancing a loan.
• Conduct periodic reviews of existing accounts to update risk ratings.

These pulls are typically soft inquiries, so they do not lower your credit score; however, a creditor may issue a hard inquiry if the interaction involves new credit, which can affect your score. For more detail on collection agencies' use of credit reports, see how collection agencies use credit reports.

Soft inquiries on your Innovis report occur when a landlord, employer, or pre‑approval tool pulls your data without your formal application; they stay invisible to future lenders and do not change your score, though you can see them when you review the report yourself (see 'how you check who pulled your Innovis report').

Hard inquiries happen when a mortgage broker, auto dealer, or credit‑card issuer accesses Innovis after you submit an application; they appear to anyone who reviews the report, may lower your score by a few points, and remain for two years, influencing later credit decisions (refer to 'when mortgage, auto, or credit card companies use Innovis').

You can see exactly who pulled your Innovis report by obtaining the report itself and reviewing the inquiry section.

1. Request your free annual Innovis report - go to Innovis's free report page or call 1‑800‑542‑3345.
2. Log into your Innovis online account (or create one) to download the PDF instantly; the inquiry table appears on the first page.
3. Read the 'Inquiries' list - each entry shows the creditor's name, the date, and whether the pull was soft or hard.
4. Cross‑reference with recent activity - match dates to mortgage applications, rental screenings, or credit card requests you remember.
5. Use a credit‑monitoring service - many services (e.g., Credit Karma, Experian) include Innovis inquiries in their dashboards, delivering real‑time alerts when a new pull occurs.
6. Contact the listed entity if an inquiry looks unfamiliar; ask why they accessed your Innovis report and request removal of unauthorized pulls.
7. Document everything - keep screenshots or PDFs of the inquiry list for future disputes or for the 'how you stop unauthorized Innovis pulls' section that follows.

You stop unauthorized Innovis pulls by adding a fraud alert, freezing your Innovis report, and routinely checking the inquiry list for unknown pulls. Request a fraud alert through any major consumer‑reporting agency, then place a credit freeze with Innovis (use the online form at Innovis credit freeze request); the freeze blocks both soft and hard pulls until you lift it with a PIN or password.

If you see an unfamiliar hard inquiry, file a dispute with Innovis and ask the pulling entity to remove the pull, which also flags that source for future checks.

Once the file is locked, set up free Innovis monitoring or a third‑party alert service to receive immediate notices of any new pull. When a notification arrives, verify the request; if you did not authorize it, dispute the inquiry again and consider changing passwords on accounts that may have shared your personal data. Continuous monitoring and prompt disputes keep unauthorized pulls from recurring and protect your credit profile.

If an Innovis report lists a soft or hard inquiry - or any account - that isn't yours, you can dispute it directly with Innovis and the furnisher.

1. Gather proof. Pull your latest Innovis report, highlight the inaccurate item, and collect supporting documents such as a payment receipt, identity‑theft report, or a letter from the creditor confirming the error.
2. File the dispute with Innovis. Use the online portal at Innovis consumer dispute center or mail a written statement (include your name, address, report reference, and a clear description of the error). Attach copies of your proof and request a 're‑investigation' within the 30‑day statutory window.
3. Notify the furnisher. Send the same dispute package to the company that pulled the Innovis report, citing the 'Fair Credit Reporting Act' and asking them to correct or delete the erroneous entry. A quick email often speeds up the process.
4. Track the investigation. Innovis must complete the review within 30 days (45 days if you contest a disputed item). They will send you a results letter; if the item is corrected, request a fresh copy of the Innovis report to verify the change.
5. Escalate if needed. If Innovis or the furnisher refuses to remove the wrong inquiry, file a complaint with the Consumer Financial Protection Bureau or consider small‑claims court. Keep all correspondence for future reference.

Foreign companies and identity‑verification services may pull your Innovis report when they have a permissible purpose under the Fair Credit Reporting Act. They typically use soft inquiries for identity checks and hard inquiries only when a credit transaction is involved.

Examples include overseas lenders extending mortgages to U.S. expatriates, multinational fintech firms that verify a new user's identity before opening an account, and global debt collectors who need to confirm a borrower's credit history. Identity‑verification providers such as IDology or Plaid may access Innovis for a soft inquiry to match personal data, while a foreign bank financing a U.S. auto loan would submit a hard inquiry. In each case, the foreign entity must comply with U.S. reporting regulations before accessing Innovis data.