topic Re: NCTUE report -- just pulled mine in General Credit Topics

NCTUE report -- just pulled mine

Anonymous — Thu, 14 May 2015 19:55:02 GMT

The NCTUE is a credit report agency (CRA) that specializes in collecting data on cell phone accounts, cable TV accounts, cable internet service provider accounts, electricty and other utility accounts. The name stands for the National Consumer Telecom & Utilities Exchange. Their database is managed by Equifax, though it appears (?) to be distinct from the traditional EQ database.

I had never pulled my NCTUE report before, and didn't know whether there were errors on it. I pulled it a few days ago and I am glad I did. There was a cell phone account on it that did not belong to me at all. Furthermore, it was an open account, so should that person have started making late payments later this year, the derogatory data would have gone onto my NCTUE report.

I disputed it today, and the agent told me it would take the usual 30 days to resolve. The report wasn't difficult to read, and in fact I could see how the error occured: the owner of the account now lives at my old condo, which I sold 5 years ago. That is still a bit troubling, since that is the ONLY thing the owner and I have in common: we don't know each other, our SSNs look nothing alike, our birthdates are nothing alike, our names are nothing alike, our cell phone contracts began in different months, etc.

The NCTUE is bound by all the standard law of the Fair Credit Reporting Act, so everybody is entitled to one free report a year. So if you get curious, it's not hard to take a look.

Re: NCTUE report -- just pulled mine

Kenny — Thu, 14 May 2015 20:35:19 GMT

Thanks because of you, I ordered my report. Will be interested to see what's on it. Thanks!

Ordered mine on an automated line here: As a consumer, you can contact NCTUE® to determine if NCTUE maintains information about you. To request a copy of your NCTUE Disclosure Report, call us at 1-866-349-5185.

Re: NCTUE report -- just pulled mine

Anonymous — Fri, 15 May 2015 06:24:19 GMT

You are welcome, Kenny. Let me know how yours turns out. Aside from having one record that didn't belong to me at all, my file was remarkably incomplete. It missed my current cell phone and my Comcast account, as well as a few past accounts. Still, the fewer the records the easier it was for me to check, so I am definitely not complaining!

Thanks for the encouraging word.

Re: NCTUE report -- just pulled mine

Anonymous — Fri, 05 Jun 2015 20:34:15 GMT

Hey Kenny... what did your NCTUE report look like? I got my disputed report back today; they had removed the account that belonged to another guy from it.

I think I will add NCTUE as something to check once a year.

Re: NCTUE report -- just pulled mine

IncrsCredScore — Fri, 05 Jun 2015 20:46:53 GMT

Credit Guy: Did you have to pay for the report?

Re: NCTUE report -- just pulled mine

Anonymous — Fri, 05 Jun 2015 20:55:46 GMT

@IncrsCredScore wrote:
Credit Guy: Did you have to pay for the report?

I pulled my last month, it was free. I believe it is similar to the big 3 in that you get at least the one free a year, not sure if they charge after that though.

Re: NCTUE report -- just pulled mine

Anonymous — Fri, 05 Jun 2015 20:57:28 GMT

No I did not! It was free. My understanding is that NCTUE is a defacto CRA, and as such is bound by the Fair Credit Reporting Act. In particular, everyone gets one free report from them a year. I am fairly sure that if you are a resident of a state that gives you one additional report (total of 2) from the Big Three CRAs, then NCTUE is also bound to give you two as well, though I have not confirmed that. I may ask for another NCTUE report in November, in which case I'll be able to test that.

Re: NCTUE report -- just pulled mine

iv — Sat, 06 Jun 2015 01:09:40 GMT

@Anonymous wrote:
No I did not! It was free. My understanding is that NCTUE is a defacto CRA, and as such is bound by the Fair Credit Reporting Act. In particular, everyone gets one free report from them a year.

...or a dejure CRA, even.

The CFPB publishes the list of regulated CRAs, including NCTUE, here: http://files.consumerfinance.gov/f/201501_cfpb_list-consumer-reporting-agencies.pdf

Re: NCTUE report -- just pulled mine

Anonymous — Sat, 06 Jun 2015 02:41:07 GMT

Nice list. I've always been curious to see something like this.

"or a dejure CRA, even" is going to keep me cheerful for at least a month.