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What Utilities Need to Know about Credit Bureau Reporting

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Confidential and Proprietary NCAP Changes for Collection Agencies and Debt Buyers 24 Requirements: Report the Original Creditor Name and Creditor Classification Code of the Original Creditor Wait 180 days before reporting a medical collection to provide extra time for resolution of collections that result from insurance delays or disputes Report a full file monthly including accounts that are open, paid in the last 90 days or that require deletion or correction Remove debt that has been paid in full by insurance or that is being paid by insurance Refrain from reporting debts that do not arise from a contract or agreement to pay, such as parking tickets, and other fines and assessments

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