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What Utilities Need to Know about Credit Bureau Reporting

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Confidential and Proprietary 18 Outside Collection Agency (OCA) Reporting Requirements OCA is the "Data furnisher" - when the OCA reports the collection accounts to the bureau on behalf of the utility Collection accounts stay on file 7 years from the date of first delinquency with the original creditor Impact of recalling an account from one OCA and placing it with another Metro 2 credit reporting guidelines require that the original placement be removed/deleted by the OCA Secondary placement can be reported Collection account can be reported by both the Utility and an OCA

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