Good for business.

Good for consumers.

Good for communities.

Everybody deserves the opportunity to build credit. But proving creditworthiness can be difficult for consumers with little to no credit history. That’s why alternative credit data from the National Consumer Telecom & Utilities Exchange (NCTUE®) makes building credit so much easier.

young woman wearing glasses browsing the internet on a silver laptop

NCTUE is a member-exclusive Fair Credit Reporting Act (FCRA)-compliant data exchange that compiles telecommunications and utility payment data on millions of consumers. Having access to this data helps contributing members better identify and manage financial risk and helps provide better experiences and greater access to services for consumers. It’s the one central place where telco, pay TV, security, internet, and utility companies exchange their customer account data for broader, deeper access to consumer payment history.

NCTUE empowers consumers and member companies alike.

Everybody wins.