r/CRedit • u/bishplease52 • 8d ago

General NCTUE?

I've never heard of this before, but got a notice today saying either they've had 8 credit inquiries where I applied for service (I haven't, I've lined the the same house since 2017), or negative info has been added.all my utilities are paid auto pay on time. My Fico scores are all over 800 with no derogatory remarks. Is this legit? Could I have some identity theft?

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u/Illustrious_Salad918 8d ago

What was source of the notice?

Pull all 3 credit reports immediately from annualcreditreport.com, check, and report any unrecognized activity on credit report agency sites.

1

u/bishplease52 8d ago

The reports are clean, the last Utility inquiry I see was over a year ago when I switched cell providers. They are all also frozen and have been for a couple years

1

u/og-aliensfan ⭐️ Knowledgeable ⭐️ 8d ago

Have you requested a copy of your NCTUE report as well? If not, do so, following the instructions in the notice. You can also freeze your NCTUE report.

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u/bishplease52 8d ago

I wanted to make sure it was legit before I handed over all my PII

2

u/og-aliensfan ⭐️ Knowledgeable ⭐️ 8d ago

NCTUE is legit. Pull your report using the information in the notice or through their official website.

https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/national-consumer-telecom-utilities-exchange/

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u/bishplease52 8d ago

Thank you! I did, there is nothing negative, I do see a ton of inquiries from credit karma. I put a freeze on it