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@EW800 wrote:
@Anonymous wrote:If your interested in that, you should certainly pull your NCTUE report (National Consumer Telecom & Utilities Exchange).
http://www.nctue.com/Consumers
There are lots of specialized CRAs out there, far more than just EQ, TU, and EX. Here's a good overview of many of them:
http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf
Thanks for the info in regard to NCTUE reports. I just completed the process to have report and score sent to me.
Thanks again!
I don't see a specification of the information to provide when requesting the report. Is there a form?
Darn it -
I tried the automated system twice by entering SSN and street address # - no match found. I guess I don't exist in their system. Perhaps it is because all these bills (cell phone, utilities & cable) come to DW and she pays them out of a joint checking account. Kinda bummed - never a late payment. Last time any of these was under my name was over 20 years ago.
Side note: My LN Auto score jumped 40 points earlier this year, I wonder if that had anything to do with State Farm changing Auto insurance to list my name 1st on the policy.
@Anonymous wrote:Here are a few CRAs that I think ought to apply to everyone, and depending on one's lifestyle might need to pulled every 12, 18, 24, or 36 months:
NCTUE (Cell phones, cable TV, utilities)
EWS and ChexSystems (Bank accounts)
LexisNexis (all kinds of stuff, including past addresses and Auto History)
LexisNexis also appears in Starting July 1, some black marks will vanish from credit reports.
"Lenders who want the missing data could simply ask borrowers on a loan application if they have outstanding liens or judgments. Or they could obtain the information from the public record.
LexisNexis Risk Solutions, which sells public records data to credit bureaus and others, is marketing a new product called RiskView Liens & Judgments Report that, it says, “fills the gap left behind” by the July 1 changes."