Join NCTUE® for a clearer picture of consumer credit.
Analyze consumer data. Elevate opportunities for reduced losses and improved collections. NCTUE empowers members to make better decisions without increasing risk.
The history of NCTUE
1980
NCTUE was formed Dec. 1, 1980, when credit executives of long-distance carriers and the National Association of Credit Management Southwest (NACM Southwest) formed the National Telecommunications Credit Group.
1993
An informal committee of Credit Group members and a representative of NACM Southwest formed to pursue the establishment of a national database to be owned and operated according to guidelines set by the members.
1993
After numerous meetings, the National Telecommunications Data Exchange (NTDE), a non-profit corporation, was founded by several leading service providers.
1996
Telecommunications consumer executives, with the assistance of NACM Southwest, started the process of developing a national database of consumers to better monitor payment and service behaviors in the industry.
1997
The National Consumer Telecommunications Data Exchange (NCTDE) was founded in 1997 by AT&T, Bellsouth, Citizens, Frontier, IXC, MCI, NYNEXLD, Sprint, and WorldCom. In September 1997, the Department of Justice approved the creation of the database, and Equifax was selected as the vendor.
2002
NCTDE and Equifax re-signed an agreement to manage the database. The U.S. Department of Justice approved the combination of telecommunications and utilities providers in one exchange.
2003
Pay TV providers were added to the by-laws in 2003, bringing the mix of data providers to its current state.
2009
Equifax and NCTUE signed a new agreement to allow for the expanded reporting and use of data, including tradeline-level reporting and integrating NCTUE Plus data into products. In 2009, Equifax and the NCTUE established the NCTUE Plus database, which added member-provided tradeline-level account information to turn the existing “negative-only” repository into a more comprehensive tool by adding positive information for better decisioning.
2023
Equifax extended its long-standing relationship with NCTUE. Under the terms of the extended agreement, Equifax will continue its exclusive operation and management of the NCTUE database and provide the organization with enhanced product innovation, advanced data security measures, and marketing support for new member recruitment.
Smarter up-front decision making
Every year, companies write off millions of dollars in bad debt due to fraudulent account openings, outstanding balances, and unpaid closed accounts (UCAs). You don’t have to be one of them.
By joining the National Consumer Telecom & Utilities Exchange (NCTUE®), you’ll gain member-only access to Fair Credit Reporting Act (FCRA)-compliant data on millions of consumers in a centralized location.
467M+
active accounts
238M+
distinctive customers
38M+
customers not found in traditional credit reporting.
160+
member contributors
How NCTUE can Help You!
An initial fraud alert indicates to anyone requesting your NCTUE Disclosure Report that you suspect you are a victim of fraud. When you or someone else attempts to open a service account in your name, the service provider should take steps to verify that you have authorized the request. If the service provider cannot verify this, the request should not be satisfied.
An extended fraud alert is similar to an initial alert, except that it lasts for 7 years, and to verify your request, a service provider must contact you on the telephone number(s) you provided to NCTUE when you requested the extended fraud alert. A valid police report showing that you have been a victim of identity theft is required to place an extended fraud alert.
An initial fraud alert indicates to anyone requesting your NCTUE Disclosure Report that you suspect you are a victim of fraud. When you or someone else attempts to open a service account in your name, the service provider should take steps to verify that you have authorized the request. If the service provider cannot verify this, the request should not be satisfied.
An extended fraud alert is similar to an initial alert, except that it lasts for 7 years, and to verify your request, a service provider must contact you on the telephone number(s) you provided to NCTUE when you requested the extended fraud alert. A valid police report showing that you have been a victim of identity theft is required to place an extended fraud alert.
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NCTUE data has improved our customer service. We look at that opening score … and we can say we should do something different about our customers at high risk of not paying. For our lower-risk customers, we could give them a little more time.
Sir Guy Epps
Comcast Cable
Are you a consumer trying to get your NCTUE credit report?
Do you work for a Telco, Utility, or Pay TV Company that would like to become a member of NCTUE?
NCTUE membership is open to national, regional, and local telco, utility, and pay TV companies.
If you are a consumer who would like to get your NCTUE credit report, freeze your NCTUE credit report, add a fraud alert to your NCTUE data file or submit a dispute, please click here.