One of the efforts to promote alternative credit data urges that utility companies engage in monthly
reporting of customer payments, including late payments, to the Big Three nationwide credit reporting
agencies (CRAs), Equifax, Experian, and TransUnion. Currently, the vast majority of electric and natural
gas utility companies only report to those three CRAs when a seriously delinquent account has been
referred to a collection agency or written off as uncollectible.