ThePowerOfGeek

Kind of like that dirty-minded, emotionally unstable uncle many people seem to have. The one who struggles to hold down a job or a relationship because they are emotionally stunted, mildly narcissistic and prime to irrational anger fits.

Damn, I’ve been lucky. In my last three positions the vast majority of my coworkers (like 90+%) have been pleasant and easy to work with. And I like all the other developers I currently work with.

Innovis is a weird one. It’s much less well known to many people than the ‘big three’. But regardless, it’s used by some pretty big companies, and its origin stems from the likes of Fannie Mae and Freddie Mac. And some of their services/interface are comically outdated, which to me makes it potentially prone to abuse. And that alone warrants giving it some attention.

Your debit score is important because that’s what most financial institutions check against when you set up an account with them. They typically don’t use credit scores for account eligibility. So debit scores (which are almost exclusively controlled by FIS) can be susceptible to abuse from that angle and in that industry.

ETA: Yes, the response time for the credit bureaus is pretty fast. I recommend setting up a free account with each of Equifax, Experian, and Trans Union. They will try to trick you into the paid account during the account creation process, so watch where you click. But their free accounts are decent and get the job done. Plus they make it easier to freeze/unfreeze your credit score than using no account. Innovis’ process is easy too, and fairly quick, but it’s very old-school.

Yeah, it’s a bit annoying. But I think it’s worth it.

For anyone else who is interested, the four credit bureaus in the US are: Equifax, Experian, TransUnion, and Innovis.

You might also be able to freeze you debit score with FIS.

Edit: For credit scores I might be thinking of locking not freezing as being the free option.