Online Data Exchange, LLC (OLDE) operates the e-OSCAR System for consumer reporting agencies (“CRAs”) and credit providers/data furnishers (“Users”) to facilitate the resolution of disputes about the accuracy and completeness of consumer information.  The e-OSCAR service is a regulatory-mandated service to enable CRAs and Data Furnishers to comply with Fair Credit Reporting Act requirements.   

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The e-OSCAR team recognizes that many Users have strict vendor management protocols in place. Our team fully supports those efforts and has implemented a rigorous internal process for maintaining and providing appropriate documentation to Data Furnishers upon request. We will provide two core sets of information to Users upon formal receipt of the same. 

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• Business Information Package

• Due Diligence (Security) Package

 

Unless contractually bound to do so, OLDE does not respond to Data Furnisher provided questionnaires.  We may consider completion of some questionnaires in unique situations, however, any effort to complete questionnaires by OLDE will be based upon our internal capacity alone.  We do charge an hourly rate for the completion of any documentation outside of our standard Packages.

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Per section 10.2 of the e-OSCAR Terms of Use, OLDE requires a Non-Disclosure Agreement be executed by all Users prior to our release of any Due Diligence (Security) Package or documentation. We neither allow for any modifications to our Non-Disclosure Agreement nor agree to execute a Data Furnisher's provided Non-Disclosure Agreement.

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In order to access and view our Vendor Management &/or Due Diligence (Security) documentation, you must be a registered user of the e-OSCAR Learning Management System. You may access the e-OSCAR LMS (HERE).  Subsequent to your request for information, we will send an email indicating that the appropriate documentation has been made available to you within the e-OSCAR LMS.

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Should you determine that additional information is needed once your review of the Compliance Information Package and Business Information Package is complete, we will (upon request and on a first come, first served basis) open our data room to you allowing the review of documentation that cannot be shared in the previously distributed packages. OLDE provides a standard set of documents in the data room (this evidence is a compilation of evidence requested from multiple previous in person audits and that are typically required to complete a successful audit). Users will be provided 2 weeks to access the data room to review all evidence needed.

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If it is determined that there may be additional information needed to clear a finding, OLDE will schedule a meeting with you (the DF), the vendor that will need to present the remaining evidence and OLDE. This will come at a charge of $250.00 per hour with a minimum of 2 hours for the call. OLDE will request that you provide a list of all outstanding items that will need to be reviewed no later than 2 weeks prior to the scheduled meeting in order to allow our vendors and our internal parties time to prepare and estimate how long the meeting will need to be.