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What Utilities Need to Know about Credit Bureau Reporting

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Confidential and Proprietary NCAP Changes for Credit Bureaus 22 Consumer Reinvestigation Process Automated Processes – Enables the three national credit bureaus to share information about death notices, deceased indicators, and mixed files for disputes processed outside of the existing automated process Consumer Notifications – Credit Bureaus will notify consumers about the results of investigations and provide a description of the consumer's options if they remain dissatisfied Faster Corrections – When a consumer submits supporting materials regarding a potential inaccuracy in their report, materials will be reviewed by someone who has the authority to change a credit report based on those materials without review by the data furnisher Enhanced Dispute Processing – Developing an improved dispute process for consumers who are the subject of mixed files or victims of fraud or identity theft

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