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You probably already know that your credit, or FICO, score is calculated independently by the Big Three credit reporting agencies: Experian, Equifax, and TransUnion. However, most people do not know about the 4th Credit Agency and the enormous power it wields over whether you receive favorable credit offers in the mail.

The 4th Agency that most people are not aware of is Innovis. This agency remains relatively below the radar of general public awareness because it does not keep an official FICO score. (As you are already aware, it is this score that lenders check when determining your eligibility for favorable rates on for mortgages, auto loans, or new credit cards).

This apparent lack of general public knowledge about this 4th Agency actually makes its influence over your financial health potentially even more powerful.

Just like the Big Three agencies, Innovis keeps copious records of any missed payments and other credit information about all U.S. consumers. However, they use the scores differently than do the Big 3 Agencies. Here is how they operate:

Innovis compiles mailing lists for all manner of credit card companies, mortgage lenders, and other financial institutions. As part of their service, they use their own credit scoring system to filter out and remove the names and addresses of people they deems to be a credit risk from the mailing lists of their financial clients, regardless of what the FICO score shows.

Effectively, Innovis keeps favorable credit offers already earmarked for FICO score-qualified consumers out of their hands by removing them from the mailing lists at the last minute. This is unfortunate for people who may have errors on their Innovis credit report but do not even know that this information about them exists.

When this 4th Agency first came on the scene years ago, they did not feature any information on their Web site to allow consumers like you to obtain their own Innovis credit score. Presently, they do allow consumers to do so, either via telephone or regular mail. More details about checking out your Innovis report can be found on their Web site: www.Innovis.com .

By periodically ordering your credit score from the Big 3 credit agencies, you will be ready to dispute any errors and remove outdated information from your credit report. In addition, I suggest going the extra step and requesting you Innovis credit score as well.

By doing so, you will be aware of what could be getting between you and favorable credit offers. And, you will know more than the vast majority of U.S. consumers do about this 4th agency which remains largely a "secret" to this day.

For insider tips on improving your FICO credit score by up to 200 points or more within 90 days, download the Credit Secrets Bible right now at http://www.success-junky.com

Article courtesy of: Jed Jones