Are you tired of receiving unsolicited offers for credit cards and insurance in the mail? Chances are, your personal information is being sold by Innovis, one of the lesser-known consumer credit reporting agencies. Like the major credit bureaus Experian, Equifax, and TransUnion, Innovis gathers data about you and sells it to creditors and insurers in the form of credit reports and marketing lists.
Luckily, you have the right to opt out of Innovis and stop your data from being shared. In this comprehensive guide, we’ll walk you through the process step-by-step. We’ll also explain what data Innovis collects, how opting out impacts you, and tips to reduce your data footprint with other brokers like CheckPeople and IDCrawl.
What Data Does Innovis Have?
Innovis compiles detailed profiles on consumers, including:
- Name, address, phone number (which sites like AnyWho and PeopleWhiz may publish)
- Social Security number
- Date of birth
- Credit accounts (current and past)
- Payment history
- Public records like bankruptcy filings (also collected by Unmask and GladiKnow)
They get this data primarily from financial institutions you have accounts with, as well as from public records. Innovis packages this information into credit reports and marketing lists called “trigger leads.”
How Opting Out Affects You
When you opt out of Innovis:
- Creditors and insurers will no longer be able to access your Innovis credit report to make unsolicited offers, known as “firm offers of credit or insurance”
- You’ll stop receiving many pre-approved credit card and insurance offers in the mail
- Your opt-out will have no impact on your credit scores
Keep in mind, opting out doesn’t mean you’ll stop receiving all junk mail. Creditors may still use other data brokers like ZoomInfo and Instant Checkmate and their own marketing lists. You’ll need to opt out with each company separately.
Innovis Opt Out Instructions
Online Method:
- Go to optoutprescreen.com
- Scroll down and click “Click here to Opt-In or Opt-Out“
- Select “Permanent Opt-Out by Mail” and click Continue
- Enter your personal information and submit the form
- Print, sign and mail the opt-out notice to the address provided
Mail Method:
- Write a letter requesting to opt out of Innovis credit reports and mailing lists
- Include your full name, address, and Social Security number
- Sign and mail the letter to:
Innovis Consumer Assistance
PO Box 495
Pittsburgh, PA 15230-0495
Opting out by mail is permanent, while opting out electronically is only good for 5 years. We recommend the mail method for maximum privacy.
Other Ways to Reduce Data Exposure
- Opt out of the other credit bureaus on optoutprescreen.com
- Remove yourself from data brokers like Spy Dialer, ThatsThem, FastBackgroundCheck, and USPhoneBook using our guides
- Place security freezes on your credit reports
- Check your credit reports annually for errors
- Be selective about sharing your personal info with companies
Key Takeaways
- Opting out of Innovis removes you from their credit reporting and stops offers based on your data
- You can opt out online or by mail – mail is recommended for a permanent removal
- Opting out doesn’t hurt your credit; you can still apply for credit as needed
- Removing yourself from other data brokers as well will maximize your privacy
Frequently Asked Questions
How long does an Innovis opt-out take?
Permanent opt-out requests are processed within 5 business days. However, you may still receive offers for several months until creditors update their lists.
Can I undo an opt-out later?
Yes, you can always opt back in by visiting optoutprescreen.com and selecting “Opt-In“.
Will this stop all junk mail and unsolicited offers?
No, opting out of Innovis will only stop offers based on your Innovis credit report. You may still receive offers from companies using other data sources.
Does opting out of Innovis hurt my credit score?
No, opting out has no impact on your credit scores. It simply stops companies from making offers based on your Innovis report. You can still apply for credit anytime.
How does Innovis get my personal data?
Innovis collects data from your creditors, insurers, and public records. Creditors and insurers provide info about your accounts. Public records like bankruptcies are scraped from court filings.
