Maybe I'm not as specific in my questioning as I need to be. Is there anyone out there who has ever used an Innovis credit report to make a loan decision? Is there anyone out there who has seen an Innovis credit report that has public record info on it?

no, they are not currently used for making credit descisions.

I am asking if anyone out there has ever used an Innovis report to make a lending decision. I am asking if anyone out there has ever seen public record information on an Innovis credit report. Based on your respones, I take it that the answer to these questions is no. I appreciate the fact that you take time to respond to my postings, but it seems like you're guessing as to what they do rather than speaking from experience.