What is the Fourth Credit Bureau?

It is important for you to be familiar with your credit score because many financial entities view this as a reflection of your financial stewardship. For example, if you are applying for a mortgage, the bank (or lender) is going to conduct a credit check to make sure to figure out what risk you might be at when it comes to defaulting on your loan. If you have a high credit score, the bank could reward you with a lower interest rate. If your credit score is low, then the bank might deny you a loan altogether.

You can request your credit score for free once per year from credit reporting bureaus. Most people are familiar with the “big three” nationwide credit bureaus which are Equifax, Experian, and TransUnion. Even though most lenders use one (or all three) of these bureaus when they are checking your credit history and credit score, there are other credit sporting agencies as well. You can request a free credit report once per year from all of these credit reporting bureaus, so it is important to know about the “fourth major credit bureau.”


While there isn’t a single “fourth major credit bureau,” many people have given this nickname to Innovis because it collects a lot of the same information that the three major credit bureaus collect. Furthermore, Innovis also provides an ID verification step to help with fraud detection and prevention. Innovis also collects utility bills, rent payments, and magazine subscriptions. You can request a free annual credit report from the fourth major credit bureau at Innovis either in-person, online, by mail, or by phone.


ChexSystems is a credit bureau that mainly focuses on checking accounts. When you apply for a checking account, the bank will probably check with ChexSystems to see if there is any risk of you opening an account with them. If you have closed an account recently, this will probably be picked up by ChexSystems. It is a good idea to check your report with ChexSystems to make sure there is no inaccurate information on the report.

Certegy Check Services

Certegy Check Services keeps track of everyone’s check-writing history to make it easier for businesses to predict if a check is likely to bounce. The goal of using Certegy’s services is to help businesses reduce check fraud. If you write checks, then you should request your annual free report from Certegy Check Services to make sure there aren’t any bounced checks listed.

Contact Us Today to Learn More About Credit Repair Services!

It is important for you to check your credit report regularly to make sure there is no inaccurate information listed. You can request a free report once per year from any of these credit bureaus, including the fourth major credit bureaus. This will improve your chances of getting a loan. Whether you are applying for a mortgage loan, vehicle loan, or credit cards it’s good to have a clear picture of what the lenders can see. Call us today for a free consultation! At Key Credit Repair, we would be happy to help you!