Innovis is a consumer reporting agency. 

It provides consumer reports and personal information to customers who comply with credit reporting and data privacy laws, like lenders and creditors. 

You can remove your personal data from Innovis’ marketing lists, which it shares with credit and insurance companies, by opting out.

Keep on reading for step-by-step instructions on how to opt out of Innovis. 

Here’s what we cover:

For a quicker and easier alternative to manual opt outs, subscribe to DeleteMe.

What Is Innovis?

Innovis is a consumer reporting agency. It offers consumer reports and personal data to clients in accordance with credit reporting and data privacy regulations. 

Innovis’ services include creating consumer reports that show a consumer’s credit history and behavior.

The agency gets personal consumer data from various sources, including companies that provide financial products and services (credit cards, mortgage loans, etc.), government sources, and direct consumer interactions. 

You can opt out of Innovis, i.e., remove your personal information from marketing lists that consumer reporting agencies like Innovis share with credit and insurance companies, so you no longer receive unsolicited offers. 

If you think your information is on Innovis, TransUnion also probably has it. Want to opt out of TransUnion? Read our TransUnion opt-out guide.

How to Opt Out of Innovis

Opt out of Innovis in 7 steps.

1. Go to www.optoutprescreen.com 

Go to https://www.optoutprescreen.com/. 

OptOutPrescreen.com is a joint initiative between Innovis and the other three major credit reporting agencies (TransUnion, Experian, and Equifax) that makes it easy for consumers to opt out of receiving unsolicited offers.

2. Click “Click Here to Opt-In or Opt-Out” 

Scroll to the bottom.

Click the “Click Here to Opt-In or Opt-Out” button. 

3. Click “Permanent Opt-Out by Mail” and “Continue” 

Scroll to the bottom.

Click the “Permanent Opt-Out by Mail” option.

Click the “Continue” button. 

4. Fill out the form 

You will be redirected to an online form. Fill out all the mandatory fields. 

Enter your first name, last name, street address, city, zip, and state. 

Enter the captcha.

Click the “Confirm” button. 

5. Click “click here” 

To complete a permanent opt-out, you need to print the form you just filled out and mail it to Innovis. 

Click “click here” and print the form. 

Note: If you skip this step, you will be opted out for 5 years within 5 business days of submitting your request (provided the Consumer Credit Reporting Company maintains a credit file for you and can locate your credit file based on the information you provided in the form).

6. Click “End Session”

Scroll to the bottom of the page.

Click the “End Session” button. 

7. Mail the form to Innovis Consumer Assistance, PO Box 530088, Atlanta, GA 30353-0088

To complete your permanent opt-out from Innovis, mail the form you printed out to: 

Innovis Consumer Assistance
PO Box 530088
Atlanta
GA 30353-0088. 

What Happens After You Opt Out of Innovis?

Once you opt out of Innovis, they will remove your personal data from marketing lists that it shares with insurance and credit companies. This will ensure you no longer receive unsolicited offers. 

If you opt-out for five years, Innovis will put your name on marketing lists again after the five years pass. If you opt-out permanently, Innovis will not re-add your name to marketing lists. 

Innovis Opt Out FAQs

Here are some common questions people have about opting out of Innovis.

What does Innovis do?

Innovis operates alongside companies such as Experian, Equifax, and TransUnion by gathering and distributing individuals’ credit information to lenders, creditors, and other businesses. These businesses use the data from consumer credit reporting agencies to evaluate creditworthiness. 

Who pulls Innovis?

Creditors, lenders, and other businesses that need to be able to assess people’s creditworthiness pull Innovis reports. 

Is Innovis a credit bureau?

Yes, Innovis is a credit bureau. It is considered the fourth-largest consumer credit reporting agency in the US. 

Is Innovis legitimate?

Yes, Innovis is a legitimate consumer credit reporting agency, though many people are less aware of it than the other three agencies (Experian, Equifax, TransUnion). 

What is an Innovis credit report?

An Innovis credit report is a report that includes your personal data, like your name, date of birth, phone number, address, and Social Security Number. It also contains account history details and companies that reviewed your report. 

You can order a free copy of your Innovis credit report online or by mailing a physical form. Alternatively, you can request your report by calling 1-866-712-0021. 

What is Innovis used for?

Innovis is used by lenders, creditors, and other businesses to evaluate a person’s creditworthiness. 

How to opt out of Innovis?

To opt out of Innovis’ marketing lists, you must opt out via the www.optoutprescreen.com website. You can opt out online for five years or permanently by mailing in a completed form to Innovis. See our Innovis opt-out guide for step-by-step instructions. 

What does Innovis report?

Innovis reports include your personal identification information (name, date of birth, phone number, and address), credit history (the accounts you have and have had in the past), and a list of companies that reviewed your report. Innovis doesn’t offer educational or mortgage credit scores. 

You can get a copy of your Innovis credit report online or by mailing a physical form. Alternatively, you can request your report by calling 1-866-712-0021.

There is no fee for requesting your report. 

Who uses Innovis credit report? 

Lenders, creditors, financial institutions, and similar businesses use Innovis credit reports. 

How to contact Innovis?

You can contact Innovis by calling 1-800-540-2505 or writing to PO Box 530088, Atlanta, GA 30353-0088. 

If you want to opt out of Innovis, you can do so online through the www.optoutprescreen.com website. See our Innovis opt-out guide for step-by-step instructions. 

TransUnion is a credit reporting agency and data broker that reportedly has insights on around 98% of US adults. 

You can remove your personal data from TransUnion by opting out. Keep on reading for step-by-step instructions on how to opt out of TransUnion. 

Here’s what we cover:

For a quicker and easier alternative to manual opt-outs, subscribe to DeleteMe.

What Is TransUnion?

TransUnion is a credit reporting agency. 

It provides credit report data to clients in accordance with credit reporting and data privacy regulations. 

TransUnion might share your data with companies for various purposes, including (but not limited to):

• Employment. 
• Rental screening.
• Insurance underwriting. 

TransUnion collects personal consumer data from various sources, including government entities, banks/credit unions, financial technology companies, marketing companies, insurance carriers, data brokers, etc. 

You can opt out of TransUnion by completing an online form on its website. 

If you think your information is on TransUnion, Innovis also probably has it. Want to opt out of Innovis? Read our Innovis opt-out guide.

How to Opt Out of TransUnion

Opt out of TransUnion in 4 steps.

1. Go to the TransUnion website and click “Your Privacy Choices”

Go to https://www.transunion.com/. 

Scroll to the bottom of the page and click “Your Privacy Choices” in the footer. 

2. Click “Begin Request”

You will be redirected to a page with information on how to perform an opt-out/limitation request.

Click the “Begin Request” button. 

3. Fill out the online form

You will be redirected to an online form. Fill out all the mandatory fields.

Select your state of residence.

Enter your first name, last name, address, city, state, and zip. 

The middle name field is optional.

The social security number and date of birth fields are also optional. 

Click the “Continue” button. 

Choose your opt-out preference. You can select all options by clicking “Select all.”

Click the “Continue” button. 

4. Review and submit your request

You will be redirected to a page where you can review your opt-out request. 

If you are happy with the request, click the “Submit” button. 

Your TransUnion opt-out request was submitted.

Other Methods to Opt Out of TransUnion

You can also opt out of TransUnion by phone. Call 866-310-8783 Monday – Friday 8 am – 9 pm Eastern Time or Saturday – Sunday 8 am – 5 pm Eastern Time.

What Happens After You Opt Out of TransUnion?

Once you opt out of TransUnion, they will attempt to locate your information using the details you provided when filling out the online opt-out form.

If TransUnion locates your information, they will complete your request as soon as possible, usually within no more than 15 business days from when they receive your request. 

You will not receive any communications about your TransUnion opt-out request from TransUnion (unless you create an account with them). 

TransUnion Opt Out FAQs

Here are some common questions people have about opting out of TransUnion.

Is TransUnion legit?

Yes, TransUnion is a legitimate credit reporting agency and one of the three major agencies in the US (alongside Equifax and Experian). 

The agency collects and maintains consumer credit information, which it uses to create credit reports and scores that are used by lenders, landlords, employers, and other entities to assess an individual’s creditworthiness and financial reliability.

What is TransUnion credit score?

A TransUnion credit score is a numerical representation of an individual’s creditworthiness calculated by TransUnion. 

TransUnion has a blog post on what factors go into its credit score. These factors include age and credit mix, payment history, utilization, balances, new credit, and available credit. 

What’s the difference between TransUnion and Equifax?

The main difference between TransUnion and Equifax is that although they’re both major credit reporting agencies, they use different scoring models. This means that your credit score at TransUnion will likely differ from your credit score at Equifax. 

Is TransUnion free for credit report?

Yes, like the other two major reporting agencies, TransUnion offers free credit reports. 

By federal law, you’re entitled to one free credit report each year from each of the three major credit bureaus.

Currently, you can also actually get free weekly reports through  https://www.annualcreditreport.com/, which the agencies created as a one-stop-shop for consumers to review their reports regularly. 

What Is TransUnion credit score used for?

A TransUnion credit score is a numerical representation of an individual’s creditworthiness based on their credit history and financial behavior. 

It is used to determine your creditworthiness by landlords, credit card companies, mortgage lenders, and others deciding whether they should extend your credit. 

How often does TransUnion update?

According to TransUnion, credit reports are updated whenever lenders provide new information to the agency. Typically, this happens every 30-45 days.

Your credit scores can change several times a month based on updates from your active credit accounts. When lenders send new information to credit bureaus, it’s added to your credit reports right away, which can affect your scores. 

Is TransUnion accurate? 

Not always. There are plenty of posts online from people who have experienced TransUnion reporting incorrect information. 

This doesn’t just apply to TransUnion – reports from other credit reporting agencies may also contain inaccurate or incorrect data. 

While TransUnion collects information from various sources and uses algorithms and data verification processes to ensure the information is as accurate as possible, reporting mistakes by lenders and identity mix-ups can still occur. In other cases, resolved disputes or closed accounts may not be updated fast enough, affecting your credit score. 

As a result, it’s a good idea to check your TransUnion (and other agencies’) report. If you notice any mistakes, you can dispute a credit report. TransUnion has a page on how to do so. 

Is Equifax or TransUnion more accurate?

That probably differs between individuals. The reason why is that accuracy can vary based on individual circumstances and the specific information each credit reporting agency collects. 

How to contact TransUnion?

You can contact the TransUnion Consumer Relations Department at 800-916-8800.

If you want to opt out of TransUnion, you don’t need to contact the agency – you can opt out online. See our TransUnion opt-out guide for step-by-step instructions. 

What banks pull from TransUnion? 

According to consumer experiences, banks that pull from TransUnion include Barclays, Chase, Bank of America, and US Bank, among others. See a more detailed list here. 

Is TransUnion safe?

Yes, TransUnion is as safe as any of the other two major credit reporting agencies. 

Its privacy policy says it has a “comprehensive information security program […] designed to protect the confidentiality, integrity, and accessibility of personal information.” 

That said, TransUnion has experienced security breaches in the past. For example, in 2022, hackers breached a server in TransUnion’s South African division, accessing individuals’ personal information. 

Who uses TransUnion?

TransUnion is used by a range of individuals and organizations, including but not limited to banks, credit card companies, landlords, property managers, insurance companies, and employers. 

Experian offers “data-driven solutions for every industry” and is one of the three major credit reporting agencies in the US.

It collects, aggregates, and sells personal information about consumers to third parties, including credit histories, payment behaviors, and other financial data. 

Businesses like lenders, landlords, and employers can use this data to assess creditworthiness, verify identities, and make informed decisions.

Here’s what we cover:

For a quicker and easier alternative to manual opt outs, subscribe to DeleteMe.

What Is Experian? 

Experian is a data broker. 

Data brokers like Experian gather and consolidate personal information to produce credit scores, which are used to verify identities and evaluate risk for various services, including jobs, insurance policies, and loan approvals.

Having your personal information in data brokers’ databases increases your risk of data beaches, identity theft, and other threats. 

If you think Experian has your personal Information, chances are, so does Instant Checkmate. Want to opt out of Instant Checkmate? Read our Instant Checkmate opt-out guide.

How to Opt Out of Experian 

Opt out of Experian in 5 steps.

1. Opt out of direct mail, telemarketing, and online targeted advertising by sending an email to optout@experian.com 

To opt out of direct mail, telemarketing, and/or online targeted advertising, email optout@experian.com.

Include the following information in your email: 

• Direct mail opt-out & online targeted advertising. Include your full name and mailing address. You can also include any name variations and additional email addresses and phone numbers you want Experian to opt out. 
• Telemarketing opt out. Include your full name, name variations, mailing address, phone number (including area code), and email address.

In your email, specify whether you want to be opted out from Experian mailing lists, telemarketing lists, or online targeted advertising. 

You can ask to be opted out of all three in one email; just make sure to include all relevant information.

If you move or change your name, you will need to opt out again. 

Experian opt-outs last five years. After five years, you will need to opt out again. 

2. Opt out of email marketing by sending an email to unsubscribe@experian.com 

To opt out of email marketing, you need to email unsubscribe@experian.com from the email address you want to unsubscribe. 

Make sure to unsubscribe from both Experian email marketing and Experian’s permission-based email database, which Experian and other marketers use. 

In your email, state both of the following:

• Unsubscribe me from all Experian email marketing.
• Unsubscribe me from Experian’s email database. 

Note: If you want to opt out more than one email address, you’ll need to send a separate request from each email address. 

3. Opt out of Experian’s Partner Programs 

Go to Experian’s Partner Opt Out page: https://www.experian.com/privacy/partner-opt-out. 

Click the “Click here” link under ‘Make An Informed Choice.’

You will be redirected to a page that will check your browser’s compatibility with the WebChoices tool (which lets you mass opt out of cookies) and verify your opt-out status. 

Once the status check is complete, click the “Continue” button. 

Click the checkbox beside the company you want to opt out of. Or, click “select all” at the top to opt out from all participating companies. 

Click the “Submit Your Choices” button. 

Next, you will see a page saying that your opt-out choices are being requested. This may take a few minutes.

You’ll see a screen saying how many opt-out requests were successfully completed. 

If you see that some opt-out requests were not completed, click the “Try Again” button.  

Click “View Updates Results” to see which companies you opted out of. 

4. Opt out of Preapproved offers by calling 1 888 5OPT OUT (1 888 567 8688) OR completing a form through OptOutPrescreen.com 

Call 1 888 5OPT OUT (1 888 567 8688) to opt out of preapproved offers. 

You can opt out for five years or permanently. 

If you choose to opt out permanently, Experian will mail you a Notice of Election to Opt-Out Permanently, which you’ll need to sign and return to Experian. 

Note: Your opt-out request will become effective five days after you notify Experian, BUT it might take a few months before you see a reduction in how many solicitations you get. 

As an alternative to calling Experian, you can also opt out of preapproved offers by filling out an online form on OptOutPrescreen.com. 

To do that, go to https://www.optoutprescreen.com/.

Scroll to the bottom of the page and click “Click Here to Opt-In or Opt-Out.”

Scroll down and click “Electronic Opt-Out for 5 years.”

Click the “Continue” button. 

Fill out the form.

Enter your first name, last name, and address.

The other fields are optional.

Complete the security question.

Click the “Confirm” button. 

Your 5-year opt-out request was submitted. 

If Experian maintains a credit file for you and can locate your credit file based on the information you provided in the form above, they will remove you from their list for five years. 

Make sure to scroll down to the bottom of the confirmation page and click the “End Session” button. 

5. Opt out of Experian’s affiliate Tapad

To opt out of Experian affiliate Tapad, go to https://crportal.tapad.com/#/. 

Scroll to the bottom of the page and click your preferred opt-out method.

Email

To opt out of Tapad using your email, click the “Email” button.

You will be redirected to an online form. Fill it out.

Select your request type.

Select your country.

Enter your email.

Click the “I’m not a robot” checkbox.

Click the “Submit” button.

Your Tapad opt-out request was submitted, but you still need to click an email confirmation link. 

Go to your email inbox and find the email from Tapad.

Note: If you don’t see the email from Tapad, check your spam folder.

Click the “Verify Email Address” button. 

Your email was verified.

Cookie or mobile advertising ID

To opt out of Tapad using a cookie or mobile advertising ID, click “Cookie or Mobile Advertising ID.”

You will be redirected to an online form. Fill it out.

Select your request type.

Select your country.

Click “+” beside ‘Identifiers’ 

Select your identifier type (cookie or MAID) and enter it. 

Click the “I’m not a robot” checkbox.

Click the “Submit” button. 

Your Tapad opt-out request was submitted.

Note: Opt outs are dependent on recognition of your IDs. To stay opted out, you must not clear or delete your cookies or reset your mobile advertising ID. 

IP address 

To opt out of Tapad using a cookie or mobile advertising ID, click “IP Address.”

Click the “I’m not a robot” checkbox.

Click the “Opt Out” button.

Your Tapad opt-out request was submitted. 

Note: Tapad says that public IPv4 addresses infrequently rotate between households, so Tapad will opt out the IP address registered for the 12 months from when your request was submitted. 

What Happens After You Opt Out of Experian?

What happens after you opt out of Experian depends on what you opt out of (email marketing, preapproved offers, etc.) 

However, in most cases, Experian will not delete your information. According to Experian, doing so would mean that they would have no way of knowing your opt-out preferences.

For example, after you opt out of receiving direct mail, telemarketing, and targeted advertising, Experian will mark your record as “Do Not Target” for five years. After five years, you can renew your opt-out request by completing the opt-out process again. 

Experian Opt Out FAQs

Here are some common questions people have about opting out of Experian. 

Is Experian accurate?

As with any other data broker, the accuracy of Experian’s data can vary. Some data points may be 100% accurate, while other data points may not be accurate or may be out-of-date. 

According to one research paper, non-white individuals are less likely to have accurate data: “Experian’s coverage and accuracy may have significant discrepancies across different races, with non-white individuals generally being less likely to be covered and having less accurate data.”

Is Experian safe?

Experian is safe in that visiting its official site is unlikely to infect you with malware. 

However, the data Experian provides may not be 100% accurate. Depending on what it’s used for, it may not be safe. 

Similarly, having your personal data in Experian’s databases can potentially put you at increased risk of identity theft and other threats. 

Is Experian legit?

Yes, Experian is a legit data broker that collates information for reporting credit scores. 

How can you talk to someone at Experian?

To contact Experian about privacy, you can write to:

Chief Privacy Officer
Compliance Department
Experian
475 Anton Blvd.
Costa Mesa, CA 92626.

To order your credit report, call 1 888 EXPERIAN (1 888 397 3742).

Table of Contents

DeleteMe’s Equifax Review

Equifax is a credit reporting agency that provides background checks and reports, SSN search and credit records monitoring. You can remove yourself from Equifax via Opt-Out Prescreen, which supplies personal information in marketing lists to creditors and insurers which use these lists to make firm offers of credit or insurance. To remove yourself from Opt-Out Prescreen, you must fill out and mail their opt-out form. After this, it is not clear how long it will take them to remove your information.

Speed: 5	Difficulty: 5

How to Remove Yourself from Equivax via Opt-Out Prescreen

Complete the Opt-Out / Opt-In request form:

1. Go to their online form athttps://www.optoutprescreen.com/selection.

2. Scroll to the bottom, select “Permanent Opt-Out by Mail”, and click “Continue”.

3. They will ask for your name and address. Your social security number and date of birth are not required, and we recommend not giving it out.

4. Fill out the security letters and click “Confirm”.

5. Print out and mail the “Permanent Opt-Out Election form” to:

Innovis Consumer Assistance
PO Box 495
Pittsburgh, PA 45230-1689

It may take a while for your letter to get there and for your information to be removed from their database.

Table of Contents

DeleteMe’s Tenant Screening USA Review

Tenant Screening USA is a data broker owned by TransUnion, a credit reporting agency that supplies personal information in marketing lists to creditors and insurers, which use these lists to make firm offers of credit or insurance. You can remove yourself from Tenant Screening USA through TransUnion’s Opt-Out Prescreen site. To do this, you must fill out and mail their opt-out form. After this, it is not clear how long it will take them to remove your information.

Speed: 5	Difficulty: 5

How to Remove Yourself from Tenant Screening USA via TransUnion

Complete the Opt-Out / Opt-In request form:

1. Go to their online form athttps://www.optoutprescreen.com/selection.

2. Scroll to the bottom, select “Permanent Opt-Out by Mail”, and click “Continue”.3

3. They will ask for your name and address. Your social security number and date of birth are not required, and we recommend not giving it.

4. Fill out the security letters and click “Confirm”.

5. Print out and mail the “Permanent Opt-Out Election form” to:

Innovis Consumer Assistance
PO Box 495
Pittsburgh, PA 45230-1689

It may take a while for your letter to get there and for your information to be removed from their database.

Table of Contents

DeleteMe’s TruSignal Review

TruSignal was recently acquired by TransUnion. It supplies personal information in marketing lists to creditors and insurers, which use these lists to make firm offers of credit or insurance. To remove yourself from TruSignal, you must do so using Opt-Out Prescreen. You must fill out and mail their opt-out form. After this, it is not clear how long it will take them to remove your information.

Speed: 5	Difficulty: 5

How to Remove Yourself from TruSignal via Opt-Out Prescreen

Complete the Opt-Out / Opt-In request form:

1. Go to their online form athttps://www.optoutprescreen.com/selection.

2. Scroll to the bottom, select “Permanent Opt-Out by Mail”, and click “Continue”.3

3. They will ask for your name and address. Your social security number and date of birth are not required, and we recommend not giving it.

4. Fill out the security letters and click “Confirm”.

5. Print out and mail the “Permanent Opt-Out Election form” to:

Innovis Consumer Assistance
PO Box 495
Pittsburgh, PA 45230-1689

It may take a while for your letter to get there and for your information to be removed from their database.

Table of Contents

DeleteMe’s Opt-Out Prescreen Review

Opt-Out Prescreen supplies personal information in marketing lists to creditors and insurers which use these lists to make firm offers of credit or insurance. To remove yourself from Opt-Out Prescreen, you must fill out and mail their opt-out form. After this, it is not clear how long it will take them to remove your information.

Speed: 5	Difficulty: 5

How to Remove Yourself from Opt-Out Prescreen

Complete the Opt-Out / Opt-In request form:

1. Go to their online form athttps://www.optoutprescreen.com/selection.

2. Scroll to the bottom, select “Permanent Opt-Out by Mail”, and click “Continue”.3

3. They will ask for your name and address. Your social security number and date of birth are not required, and we recommend not giving it.

4. Fill out the security letters and click “Confirm”.

5. Print out and mail the “Permanent Opt-Out Election form” to:

Innovis Consumer Assistance
PO Box 495
Pittsburgh, PA 45230-1689

It may take a while for your letter to get there and for your information to be removed from their database.

Table of Contents

DeleteMe’s Fico Review

Fico is a data broker company that provides different types of data management and marketing services. To remove yourself Fico’s database, you must call them on the phone. After this, it can take up to 15 days for your information to be removed.

Speed: 5	Difficulty: 5

How to Remove Yourself from Fico

You can opt out receiving any marketing solicitation, including email, direct mail, and phone solicitations by calling 1-888-FICO-EDM (1-888-342-6336) any time from Monday-Friday.

Here is an excerpt from their Privacy Policy:

Don’t have the time?

Check out DeleteMe, our premium privacy service that does the tough work of removing your private information from the web. For just $129/year, we’ll keep your data off of the leading data broker websites.