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on 9/1/17Hi Suzannah,, that third party reporting service is most likely Pro Credit. By signing up for Pro Credit you'll receive updates and results from all 3 credit bureaus. This is needed in order to provide the credit analysis that our specialists will provide for you upon signup. If you have any additional questions are team would be happy to answer them. Please feel free to contact us at 203-599-4157. We look forward to assisting you.