Premium data, the same tier as TLO, IRBsearch and IDI.
Locates here are built on premium credit header data, which is the
identifying portion of a credit file rather than the credit report itself: name, known
addresses, phone numbers and date-of-birth fragments, sourced from all three
nationwide credit bureaus and from alternative bureaus that pick up people the
big three cover thinly.
That base is the same premium tier TLOxp, IRBsearch and IDI are assembled
from. What we add is the alternative-bureau layer on top, which is where thin-file and
no-file subjects live: recent immigrants, young debtors, people living largely in cash.
Any platform can resolve an easy subject. The hard ones are what decide a matter.
Every material field carries source attribution, and each result is marked
single or corroborated depending on how many
independent sources agree on it. So you get more depth, and more signal about which of it you
can act on. See the full comparison.
On top of that sit public record files: property and vehicle registries, business filings,
court records, and licence data. Premium sources, billions of records, cross-referenced so that a result
corroborated by two independent sources can be distinguished from one that rests on a single file.
Continually updated, and never served from a cache
The underlying files refresh continuously as bureaus, registries and courts report, address
changes, new filings, new phone assignments. Every search you run queries the current file at that
moment. We do not hold a periodic snapshot and re-serve it, and we do not return a previous
customer's result to you as if it were fresh.
Your own results are kept for 30 days so you can re-open them, then purged. Re-run a
subject three months on and you get what the sources say then, which is the whole
point once someone has moved.
Credit header is not a credit report
Header data carries no account numbers, balances, tradelines or scores, and nothing here is a
consumer report under the FCRA. Results may not be used for credit, insurance, employment,
housing or any other FCRA-permissible purpose. See compliance for what
each permissible-purpose code does and does not allow.