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The National Consumer Telecom & Utilities Exchange (NCTUE®) is a FCRA-compliant consumer credit reporting agency. Its members are telecom and utility companies that contribute their customer account information to a central database.
Consumer Credit Report Per federal law, once per year, you are allowed to obtain each of your credit reports for free. 3 There you will find a summary of your personal credit history.
A credit report is a specific type of consumer report used for lending, while the broader term "consumer report" could be used to describe things like your driving history or criminal record.
The notice may be oral, written, or electronic, and must include the name, address, and telephone number of the consumer reporting agency preparing the report (including a toll free number if available), tell the consumer how to obtain a free copy of the report, and explain the right to dispute the accuracy of any
Consumer reporting agencies are required by law to remove most negative information about your account after seven years, which generally means that if you find an item in their report that is older than seven years you should dispute that information.
Under Colorado law, a consumer reporting agency shall, upon written or verbal request and proper identification of any consumer, clearly, accurately, and in a manner that is understandable to the consumer, disclose to the consumer, in writing, all information in its files at the time of the request pertaining to the
National Consumer Telecom & Utilities Exchange (NCTUE) is a credit reporting agency that maintains data, such as payment and account history, reported by member service providers in the telecommunications, pay TV, and utility industries.
Verizon is one of many telecom providers that use the NYDE (and recall that AT&T was the founder of NCTUE). The California Utility Exchange collects customer payment data from dozens of local utilities in the state, and also is operated by Equifax (Equifax Information Services LLC).
NCTUE is a credit reporting agency whose membership is comprised of companies that provide services (telecommunications, pay TV, and utilities) and report and share data relative to their customers' account to aid in risk management. NCTUE maintains data such as payment and account history reported by its members.
The reason NCTUE sends out these letters is because Colorado law requires it. The Colorado Consumer Credit Reporting Act forces companies to send out letters to residents when it has received eight credit inquiries about them or has received a report that would add negative information to their file.