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Confidential and Proprietary THE FUNDAMENTALS OF CREDIT BUREAU REPORTING AND WHAT UTILITIES NEED TO KNOW Clarifying the Requirements and Dispelling the Myths August 10, 2017

• The Fundamentals of Credit Bureau Reporting and What Utilities Need to Know
• Slide Number 2
• welcome
• Agenda
• Equifax Panelists
• Slide Number 6
• Credit bureau Basics
• Slide Number 8
• Lifecycle of a utility account
• Lifecycle of a Utility Account
• Data furnisher requirements
• Data Furnisher Obligations
• Handling Consumer Disputes
• Consumer Complaints
• Full Credit File Reporting
• Full Credit File Reporting Requirements
• Reporting and outside collection agencies
• Outside Collection Agency (OCA) Reporting Requirements
• National Consumer Assistance Program (NCAP) review
• NCAP Summary
• NCAP Changes for Credit Bureaus
• NCAP Changes for Credit Bureaus (1)
• NCAP Changes for Credit Bureaus (2)
• NCAP Changes for Collection Agencies and Debt Buyers
• NCAP Changes for Data Furnishers
• NCAP Change Summary
• NCAP Change Summary (1)
• Questions?
• Slide Number 29
• Slide Number 30